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Rates effective as of 10/14/2006.
| SAVINGS/CHECKING |
Account
Type |
Minimum Deposit
to Open Account |
Minimum Balance
to Obtain APY |
Interest
Rate |
APY* |
| Passbook Savings |
N/A |
$1 |
.55% |
.55% |
| Statement Savings |
$100 |
$1 |
.55% |
.55% |
| First Step Children's Savings |
$50 |
$1 |
.55% |
.55% |
| Premium Money Market Acct |
$1,000 |
$0 - $24,999 |
.70% |
.70% |
| |
|
$25,000+ |
1.98% |
2.00% |
| Money Market Account |
$1,000 |
$0 - $2,499 |
.55% |
.55% |
| |
|
$2,500 - $9,999 |
.55% |
.55% |
| |
|
$10,000 - $19,999 |
.75% |
.75% |
| |
|
$20,000+ |
.85% |
.85% |
| Interest Checking |
$100 |
$1,000 - $2,499 |
.20% |
.20% |
| |
|
$2,500 - $4,999 |
.20% |
.20% |
| |
|
$5,000+ |
.30% |
.30% |
| First Club Gold |
$100 |
$1 |
.30% |
.30% |
Estate Trust Checking
(Index: 6 month Treasury Bill) |
$100 |
$0 - 24,999 |
Call for Rates |
Call for Rates |
| |
$25,000+ |
Call for Rates |
Call for Rates |
| FIXED-RATE CERTIFICATES OF DEPOSIT |
Account
Type |
Minimum Deposit
to Open Account |
Minimum Balance
to Obtain APY |
Interest
Rate |
APY* |
| 91 Day CD |
$500 |
$500 |
2.23% |
2.25% |
| 4 Month CD |
$500 |
$500 |
3.46% |
3.50% |
| 6 Month CD |
$500 |
$500 |
3.55% |
3.60% |
| 9 Month CD |
$500 |
$500 |
3.94% |
4.00% |
| 1 Year CD |
$500 |
$500 |
4.14% |
4.20% |
| 1 Year Add-On CD |
$500 |
$500 |
4.14% |
4.20% |
| 14 Month CD |
$500 |
$500 |
4.14% |
4.20% |
| 18 Month CD |
$500 |
$500 |
4.43% |
4.50% |
| 2 Year CD |
$500 |
$500 |
4.67% |
4.75% |
| 30 Month CD |
$500 |
$500 |
4.09% |
4.15% |
| 3 Year CD |
$500 |
$500 |
4.09% |
4.15% |
| 4 Year CD |
$500 |
$500 |
4.09% |
4.15% |
| 5 Year CD |
$500 |
$500 |
4.09% |
4.15% |
| "Double-Six" 6 Month CD |
$500 |
$500 |
2.97%
(1st 6 months) |
3.00% |
4.14%
(renewal rate) |
4.20% |
| INDIVIDUAL RETIREMENT ACCOUNTS |
Account
Type |
Minimum Deposit
to Open Account |
Minimum Balance
to Obtain APY |
Interest
Rate |
APY* |
| IRA Money Market |
$50 |
$0 - $2,499 |
.55% |
.55% |
| |
|
$2,500 - $9,999 |
.55% |
.55% |
| |
|
$10,000 - $19,999 |
.75% |
.75% |
| |
|
$20,000 |
.85% |
.85% |
| 1 Year CD |
$100 |
$100 |
4.14% |
4.20% |
| 1 Year Add-On CD |
$100 |
$100 |
4.14% |
4.20% |
| 14 Month CD |
$100 |
$100 |
4.14% |
4.20% |
| 18 Month (fixed-rate) CD |
$100 |
$100 |
4.43% |
4.50% |
| 18 Month (variable-rate) CD |
$100 |
$100 |
3.55% |
3.60% |
| 2 Year CD |
$100 |
$100 |
4.67% |
4.75% |
| 30 Month CD |
$100 |
$100 |
4.09% |
4.15% |
| 3 Year CD |
$100 |
$100 |
4.09% |
4.15% |
| 4 Year CD |
$100 |
$100 |
4.09% |
4.15% |
| 5 Year CD |
$100 |
$100 |
4.09% |
4.15% |
Rates in effect on 10/14/2006.
Rates are subject to change.
Substantial penalty for early withdrawal.
* Annual Percentage Yield
Please request further information from an employee concerning the fees and terms applicable to the above accounts by calling:
Lexington: (859) 253-2605
Georgetown: (859) 244-7272
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