Deposit Rates


CERTIFICATE OF DEPOSITS

Effective as of May 28, 2013
The Certificate of Deposits listed below are based on a minimum deposit of $500 with a minimum balance of $500 to calculate the Annual Percentage Yield (APY). Early withdrawal penalties may apply.

Certificate of Deposit Term Interest Rate APY
31 Day 0.10          0.10
91 Day 0.20 0.20
182 Day 0.20 0.20
1 Year 0.30 0.30
2 Year 0.50 0.50
3 Year 0.70 0.70
4 Year 0.90 0.90
5 Year 1.10 1.10
* 2 Year Jump Rate 0.50 0.50
** Healthcare Plus 1.10 1.10
*** Piglet 1 Year CD 0.30 0.30
* NOTE: You may change the interest rate one time during the 2 year period for the current 2 Year Jump Rate.
 
** NOTE: Based on the minimum deposit of $2,500.00 which is also used to calculate the Annual Percentage Yield (APY) and designed to help pay medical bills with no penalty for early withdrawal with proof of medical expense need.
 
*** NOTE: Based on the minimum deposit of $350.00 which is also used to calculate the Annual Percentage Yield (APY) and designed for students or youth under 18 years of age to encourage savings.

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DEPOSIT ACCOUNTS

The Deposit Accounts listed below use the minimum balance to calculate the Annual Percentage Yield (APY) listed for the account. Interest rates may change after the account is opened. Fees may reduce earnings on the account.

Account Minimum Balance Interest Rate APY
 Free REWARD Checking-Tiered  $.01 to 10,000  2.46  2.50*
    ($50 to open account)  $10,000.01 or >  0.25 0.25 
Cornerstone Money Market -Tiered $2,000
$25,000 or >
0.10
0.20
0.10
0.20
Cornerstone Plus $1,000 0.05 0.05
Savings Account $50 0.05 0.05
Penny Pig Savings $1 0.05 0.05
Christmas Club $1 0.05 0.05
Health Savings Account $50 0.05 0.05
 
*APY=Annual Percentage Yield. APYs are accurate as of 10/22/2012. Rates may change after account is opened. Minimum to open account is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.46% -2.50% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. Visit with a New Account Representative today!

 
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Revised on May 28, 2013