 |
Current Interest Rates
Effective
as of: November 16, 2009
Rates
subject to change at any time |
|
| |
|
| Super Now Account * |
Interest
Rate |
(*APY) |
| $1,499.99
and less |
0.0000% |
0.00% |
| $1,500.00 - $2,499.99 |
0.2000% |
0.20% |
| $2,500.00 and more |
0.3000% |
0.30% |
$1500.00 minimum to open this account.
$12 service fee if average collected
balance falls below $1,500.00
Service fees may reduce the earnings on this
account. |
| Elements Green Banking Account |
Interest
Rate |
(*APY) |
| $50.00 (minimum deposit) |
3.000% |
3.04% |
| Money
Market * |
Interest
Rate |
(*APY) |
| $0
- $1,499.99 |
0.00% |
0.00% |
| $1,500.00
- $9,999.99 |
0.2000% |
0.20% |
| $10,000.00
- $24,999.99 |
0.5000% |
0.50% |
| $25,000.00
- $49,999.99 |
0.7000% |
0.70% |
| $50,000.00
and more |
0.9000% |
0.90% |
$1500.00
minimum to open this account.
$12 service fee if average collected balance
falls below $1,500.00. Service fees may reduce the earnings on this account. |
| Certificates of Deposit |
Interest
Rate |
(*APY) |
| $1,000.00
minimum CDs |
|
|
| 7 - 31
Day CD |
0.600% |
0.60% |
| 32 - 90 Day CD |
0.600% |
0.60% |
| $500.00
minimum CDs |
|
|
| 91 Day CD |
0.600% |
0.60% |
| 6 month (182 Day) CD |
1.0000% |
1.00% |
| 1 Year +1 CD |
1.2500% |
1.26% |
| 18 month CD |
1.4000% |
1.41% |
| 2 Year CD |
1.7500% |
1.76% |
| 30 Month CD |
1.7500% |
1.76% |
| 3 Year CD |
2.0000% |
2.02% |
| 3 Year Variable CD * |
2.0000% |
2.02% |
| Golden Passbook available on 3 year variable CD: $500 minimum to open, $50
minimum monthly AFT. Manual deposits of $50 or more can be added. |
|
|
| 4 Year
CD |
2.6500% |
2.68% |
| 5 Year CD |
3.0000% |
3.03% |
Contact your local branch for rate information.
A penalty may be imposed
for early withdrawal. |
| Individual Retirement Accounts |
Interest
Rate |
(*APY) |
| 18-month Passbook IRA Variable |
Contact FSCB for the current rate. |
| 18-month
Passbook IRA FIXED |
1.4000% |
1.41% |
| 36-month
Passbook IRA FIXED |
2.0000%
|
2.02%
|
IRA with AFT agreement: $50 minimum to open with an AFT agreement for a minimum $50/month AFT deposit. Maximum monthly deposit based on the maximum annual contribution currently allowed by law. Ask a customer service representative for details.
IRA without AFT agreement: $500 minimum
to open and $50 minimum for manual deposits. A penalty may be imposed for early
withdrawal. |
|
APY= Annual Percentage
Yield.
* Interest rates are subject to change after these accounts are
opened. |
Savings Accounts *
|
Interest
Rate |
(*APY) |
| Savings
Account |
0.300% |
0.300% |
$100
minimum to open this account, and $100 minimum daily balance. $2 monthly
fee if balance falls below $100.
Service fees may reduce the earnings on this account. |
Horizons
Checking Account * |
Interest
Rate |
(*APY) |
| $24,999.99 and less |
0.2000% |
0.20% |
| $25,000.00 - $49,000.00 |
0.4500% |
0.45% |
| $50,000.00 and more |
0.5500% |
0.55% |
| $50
minimum to open this account. No minimum balance required and no monthly
service fee. |
Premier
Plus Account * |
Interest
Rate |
(*APY) |
| $1,500.00 - $2,499.99 |
0.2500% |
0.25% |
| $2,500.00 and more |
0.3500% |
0.35% |
| $50 minimum to open this account. No minimum balance requirements.
Interest is forfeited if average collected balance falls below $1500.00.
$9.50 monthly service fee. Service
fees may reduce the earnings on this account. |
APY
= Annual Percentage Yield
* Interest rates are subject to change after the account is
opened.
A penalty may be imposed for early CD withdrawal. |
Jumbo CDs
($100,000 minimum to open) |
Interest
Rate |
(*APY) |
| 30 Day |
0.6000% |
0.60% |
| 90
Day |
0.6000% |
0.60% |
| 6
Month |
1.0000% |
1.00% |
| 12
Month |
1.2500% |
1.26% |
| 18
Month |
1.4000% |
1.41% |
| 24
Month |
1.7500% |
1.76%
|
| 30
Month |
1.7500% |
1.76% |
| 36
Month |
2.0000% |
2.02% |
| 48
Month |
2.6500% |
2.68% |
| 60
Month |
3.0000% |
3.03% |
Jumbo
CD rates are negotiable rates set by management. These rates are not
"renewal" rates.
A penalty may be imposed for early CD withdrawals.
AFT = Automatic Funds Transfer |
|
| |
