|
| All Rates
Effective July 24, 2008 |
Certificates of Deposit |
| |
Deposit Less Than $25,000 |
Deposit $25,000 to $49,999 |
Deposit $50,000
to $99,999 |
Deposit $100,000
or more |
| Period of Time |
Interest Rate |
Annual Percentage Yield (APY) |
Interest Rate |
Annual Percentage Yield (APY) |
Interest Rate |
Annual Percentage Yield (APY) |
Interest Rate |
Annual Percentage Yield (APY) |
| 30 Days |
1.30% |
1.31% |
1.35% |
1.36% |
1.40% |
1.41% |
1.50% |
1.51% |
| 90 Days |
1.55% |
1.56% |
1.60% |
1.61% |
1.65% |
1.66% |
1.75% |
1.76% |
| 180 Days |
2.10% |
2.11% |
2.15% |
2.16% |
2.20% |
2.21% |
2.30% |
2.31% |
| 1 Year* |
2.25% |
2.25% |
2.30% |
2.30% |
2.35% |
2.35% |
2.45% |
2.45% |
| 2 Years* |
2.50% |
2.50% |
2.55% |
2.55% |
2.60% |
2.60% |
2.70% |
2.70% |
| 3 Years* |
2.50% |
2.50% |
2.55% |
2.55% |
2.60% |
2.60% |
2.70% |
2.70% |
|
7 Month Special** |
3.65% |
3.68% |
3.65% |
3.68% |
3.65% |
3.68% |
3.65% |
3.68% |
|
15 Month Special** |
3.90% |
3.90% |
3.90% |
3.90% |
3.90% |
3.90% |
3.90% |
3.90% |
$1,000
Minimum Balance Required to open account and obtain Annual Percentage Yield
Interest begins to accrue on the business day you deposit. There
are penalties for early withdrawal on these accounts.
* Interest must be paid at least annually.
**Unless otherwise directed at the time of maturity, these
certificates will automatically renew at the then posted rate for
the term immediately below the term of the original Certificate of
Deposit.
Interest on all
Certificates of Deposit will either be capitalized at maturity or
deposited into a NorStates Savings, Checking, or Money Market
Account. 7 MONTH and 15 MONTH SPECIAL requires additional services see
Relationship Banker for details.
|
Interest-Bearing Accounts |
|
Classic Gold** &
Ambassador Gold Checking***
Interest Credited (Monthly) | Interest Rate | Annual Percentage
Yield (APY) |
.25% |
.25% | $100 Minimum Balance Required to Open Account
Classic Gold Checking requires a $1000.00 Minimum Balance
to obtain Annual Percentage Yield |
|
Holiday
Club**
Interest Credited (Quarterly) |
Interest Rate |
Annual Percentage
Yield (APY) |
.50% |
.50% | $2.00 Minimum Balance Required to Open Account |
|
|
|
Personal,
Junior/Trust Savings** |
|
Personal Savings $100 Minimum
Balance Required to Open.
Junior/Trust Savings No Minimum
Balance Required to Open
|
|
Tier 1 - If your daily balance is
2499.99 or less, the interest rate paid on the entire balance
in your account will be .50% with an
annual percentage yield of .50%.
Tier 2 - If your daily
balance is more than $2500.00 but less than $100,000.00, the interest rate paid on
the entire balance in your account will be .50%
with an annual percentage yield of .50%.
Tier 3 - If your daily
balance is $100,000.00 or more, the interest rate paid on the
entire balance in your account will be .50%
with an annual percentage yield of .50%.
We may change the interest rate
on your account at our discretion. Interest will be
credited quarterly.
|
NorStates Gold Money Market Account**
Interest Credited (Monthly) |
|
$2,500 Minimum Balance Required to Open Account |
|
Tier 1 - If your daily balance is
0 to $24,999.99, the interest rate paid on the entire balance
in your account will be .75% with an
annual percentage yield of .75%.
Tier 2 - If your daily
balance is $25,000.00 to $99,999.99, the interest rate paid on
the entire balance in your account will be 1.05%
with an annual percentage yield of 1.06%.
Tier 3 - If your daily
balance is $100,000.00 to $999,999.99, the interest rate paid on the
entire balance in your account will be 1.65%
with an annual percentage yield of 1.66%.
Tier 4 - If your daily
balance is $1,000,000.00 & over, the interest rate paid on the
entire balance in your account will be 2.45%
with an annual percentage yield of 2.48%.
We may change the interest rate
on your account at our discretion.
Interest will be credited monthly.
|
|
Variable Traditional, Roth & Education Individual Retirement Accounts
$1000 Minimum Balance Required to Open Account and Obtain Annual
Percentage Yield | | Interest Credited | Interest Rate | Annual Percentage
Yield (APY) | | Quarterly |
2.15% |
2.17% |
The interest rate on your account is based at our discretion.
We may change the interest rate on your account at our
discretion. | Traditional, Roth & Education Individual Retirement Certificates
$1000 Minimum Balance Required to Open Account and Obtain
Annual Percentage Yield |
| | Deposit Less Than $100,000 | Deposits $100,000
or more | | Period of Time | Interest Rate | Annual Percentage
Yield (APY) | Interest Rate | Annual Percentage
Yield (APY) | | 1 Year |
2.45% |
2.45% |
2.45% |
2.45% | | 2 Year |
2.70% |
2.70% |
2.70% |
2.70% | | 3 Year |
2.70% |
2.70% |
2.70% |
2.70% | There may be penalties for early withdrawal on these certificates.
See
complete IRA Disclosure for further details. |
ANNUAL PERCENTAGE YIELD
An annualized rate that reflects the relationship between the amount of interest that would be earned by the consumer for the term of the account and the amount of principal used to calculate that interest.
Fees could reduce the earnings on the account.
** Rate is variable and may change after account is opened.
*** To qualify as an Ambassador member you must be age 55 or better and maintain
a balance greater than $2,500.00 in any type of interest bearing account.
Member FDIC
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For more information,
please email us. |
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