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DEPOSIT ACCOUNT RATES
As of December 2, 2013

Certificates of Deposit

CD Special

Term

Simple Interest Rate

Annual Percentage Yield

24 Month Step-Up CD1

0.55%

0.55%

    Consumer accounts only. $1,000 minimum deposit.
    Interest must be compounded on the Step-Up CD.
    Customer may elect to change the rate on this account only once during the term.

 
 

Monthly Term

Simple Interest Rate

Annual Percentage Yield

Certificates1, 2

3 Month

0.10%

0.10%

 

6 Month

0.20%

0.20%

 

12 Month

0.35%

0.35%

 

18 Month

0.40%

0.40%

 

24 Month

0.55%

0.55%

 

30 Month

0.70%

0.70%

 

36 Month

0.90%

0.90%

 

48 Month

1.14%

1.15%

 

60 Month

1.29%

1.30%

1 A penalty may be imposed for early withdrawal.  Interest will be credited annually or more frequently.
2 $100 minimum deposit required for CD terms.

 
Interest-Bearing Checking
 

Simple Interest Rate

Annual Percentage Yield

NOW Account3, 4
    
$1,000 minimum opening balance (details)

0.05%

0.05%

Super NOW Account3, 4
    $2,500 minimum opening balance (details)

0.10%

0.10%

3 The rate may change daily.
4 Fees may reduce the earnings on the account.


Savings

 

Daily Balance

Simple Interest Rate

Annual Percentage Yield

Statement Savings3
$10 minimum opening balance (details)
 

0.15%

0.15%

Money Market Savings Account3, 4
$2,500 minimum opening balance (details)

 

0.10%

0.10%

Money Market Gold Account3, 4, 5
$10,000 minimum opening balance (details)

$0 to $9,999.99

0.05%

0.05%

 

$10,000 to $24,999.99

0.10%

0.10%

 

$25,000 to $49,999.99

0.15%

0.15%

 

$50,000 and above

0.20%

0.20%

3 The rate may change daily.
4 Fees may reduce the earnings on the account.
5 MSB pays on the full balance in the account at the stated interest rate that corresponds to the applicable deposit tier.

 
IRAs (Individual Retirement Accounts)

 

Simple Interest Rate

Annual Percentage Yield

Traditional IRA Savings3, 4
    $50 minimum opening balance (details)

1.15%

1.15%

Roth IRA3, 4
    
$50 minimum opening balance (details)

1.15%

1.15%

Coverdell Education3, 4
    
$10 minimum opening balance (details)

1.15%

1.15%

Simplified Employee Pension3, 4
    
$50 minimum opening balance (details)

1.15%

1.15%

3 The rate may change daily.
4 Fees may reduce the earnings on the account.

 

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