|
Certificate of Deposit Rates
|
|
Maturity of CD
|
Minimum
to Open
|
APY*
(01/18/12 thru 01/24/12)
|
APY*
(01/25/12 thru 01/31/12)
|
APY*
(02/01/12 thru 02/07/12)
|
|
3 Month
|
$1,000
|
0.65%
|
0.65%
|
0.65%
|
|
6 Month
|
$1,000
|
0.80%
|
0.80%
|
0.80%
|
|
12 Month
|
$1,000
|
1.00%
|
1.00%
|
1.00%
|
|
18 Month
|
$1,000
|
1.00%
|
1.00%
|
1.00%
|
|
24 Month
|
$1,000
|
1.15%
|
1.15%
|
1.15%
|
|
36 Month
|
$1,000
|
1.25%
|
1.25%
|
1.25%
|
|
60 Month
|
$1,000
|
2.00%
|
2.00%
|
2.00%
|
|
7 Month
|
$1,000
|
N/A
|
N/A
|
N/A
|
|
13 Month
|
$1,000
|
N/A
|
N/A
|
N/A
|
- *APY = Annual Percentage Yield
- Rates are effective as of 02/01/2012.
- Rates are subject to change at any time without prior notice.
- Penalties for early withdrawal.
|
|
Deposit Account Rates
|
|
Product
|
Minimum Balance to Open
|
Rate
|
APY*
|
|
NOW Accounts
|
$1,000
|
0.25%
|
0.25%
|
|
Super NOW
|
$1,500
|
0.25%
|
0.25%
|
|
Money Market
|
$2,000
|
0.65%
|
0.65%
|
|
Regular Savings
|
$100
|
0.75%
|
0.75%
|
|
Common Sense Checking
|
$100
|
0.25%
|
0.25%
|
- *APY = Annual Percentage Yield
- Rates are subject to change at any time without prior notice.
- Fees may reduce earnings
|
|
High Cotton Account Rates
|
|
Account Balance
|
Minimum Balance to Open
|
Rate
|
APY*
|
|
Under $10,000
|
$10,000
|
0.45%
|
0.45%
|
|
$10,000 to $49,999.99
|
$10,000
|
0.65%
|
0.65%
|
|
$50,000 to $99,999.99
|
$10,000
|
1.00%
|
1.00%
|
|
$100,000 or more
|
$10,000
|
1.10%
|
1.11%
|
- *APY = Annual Percentage Yield
- Rates are subject to change at any time without prior notice.
- Fees may reduce earnings
|
|
Second Century Money Market Account
|
|
Account Balance
|
Minimum Balance to Open
|
Rate
|
APY
|
|
Under $125,000.00
|
$125,000
|
1.15%
|
1.16%
|
|
$125,000 or More
|
$125,000
|
1.25%
|
1.26%
|
- *APY = Annual Percentage Yield
- Rates are subject to change at any time without prior notice.
- Fees may reduce earnings
|
|
