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Current Deposit Rates
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Rates Effective as of June 4, 2008
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Checking and Savings Accounts
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Account Type
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Minimum Balance**
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Interest Rate
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APY*
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Interest Checking
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$1,000.00
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0.16%
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0.16%
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Royal 50 Checking
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No Minimum
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0.16%
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0.16%
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Select Checking
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$3,500.00 - $9,999.99
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1.00%
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1.00%
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Select Checking
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$10,000.00 and above
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2.00%
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2.02%
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Statement Savings
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No Minimum
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0.43%
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0.43%
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Dream Builders Savings
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$100.00 - $999.99
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1.00%
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1.00%
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Dream Builders Savings
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$1,000.00 - $2,499.99
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2.00%
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2.02%
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Dream Builders Savings
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$2,500 and above
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2.23%
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2.25%
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*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
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Investors Money Market Account
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Minimum Balance**
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Interest Rate
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APY*
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$0.00 - $4,999.99
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0.43%
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0.43%
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$5,000.00 - $24,999.99
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1.49%
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1.50%
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$25,000.00 - $49,999.99
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1.98%
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2.00%
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$50,000.00 and above
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2.33%
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2.36%
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*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
Fees may affect earnings on the accounts
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Select Business Checking
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Minimum Balance**
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Interest Rate
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APY*
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$3,500.00 - $9,999.99
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1.00%
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1.00%
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$10,000.00 and above
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2.00%
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2.02%
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*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
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Business Money Market Savings Account
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Minimum Balance**
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Interest Rate
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APY*
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$0.00 - $4,999.99
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0.43%
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0.43%
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$5,000.00 - $24,999.99
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1.49%
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1.50%
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$25,000.00 - $49,999.99
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1.98%
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2.00%
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$50,000.00 and above
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2.33%
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2.36%
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*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
Fees may affect earnings on the accounts
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Certificates of Deposit - Fixed Rate
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Certificate Type
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Minimum Balance**
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Interest Rate
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APY*
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3 Month
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$500.00
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1.82%
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1.84%
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6 Month
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$500.00
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2.01%
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2.03%
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1 Year
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$500.00
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2.29%
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2.31%
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1 Year IRA
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$100.00
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2.29%
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2.31%
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22 Month
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$10,000.00
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3.28%
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3.33%
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22 Month IRA
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$100.00
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3.28%
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3.33%
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2 Year
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$500.00
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2.30%
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2.32%
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2 Year IRA
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$100.00
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2.30%
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2.32%
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3 Year
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$500.00
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3.45%
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3.51%
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3 Year IRA
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$100.00
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3.45%
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3.51%
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3 1/2 Year Step-Up ***
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$500.00
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2.86%
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2.90%
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3 1/2 Year Step-Up IRA***
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$100.00
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2.86%
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2.90%
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4 Year
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$500.00
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3.69%
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3.75%
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4 Year IRA
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$100.00
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3.69%
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3.75%
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5 Year
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$500.00
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3.93%
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4.00%
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5 Year IRA
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$100.00
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3.93%
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4.00%
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Jumbo Certificates
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$100,000.00
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Call Us for A Quote!
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*APY = Annual Percentage Yield
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
***At your discretion, you may change the interest rate on the account based on the number of "steps" indicated in the original agreement.
A penalty will be imposed for early withdrawal.
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Certificates of Deposit - Variable Rate
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Certificate Type
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Minimum Balance**
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Interest Rate
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APY*
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We do not offer any variable rate CD's at this time.
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*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
A penalty will be imposed for early withdrawal.
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