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5Star Bank Deposit Rates
( As of 6/22/2009 )
| Account
Type
|
Minimum
Deposit to Open Account
|
Minimum
Balance to Receive Quoted APY* |
Minimum
Balance to Avoid Service Charge** |
Interest
Rate
|
Annual
Percentage Yield
|
| Freedom
NOW Checking |
$50 |
$1,000 |
$750 |
0.150% |
0.150% |
| Money
Market: |
| $1,000-2,499 |
$1,000 |
$1,000 |
$1,000 |
0.650% |
0.650% |
| $2,500-9,999 |
$1,000 |
$2,500 |
$1,000 |
0.900% |
0.900% |
| $10,000-24,999 |
$1,000 |
$10,000 |
$1,000 |
1.040% |
1.050% |
| $25,000-49,999 |
$1,000 |
$25,000 |
$1,000 |
1.140% |
1.150% |
| $50,000-99,999 |
$1,000 |
$50,000 |
$1,000 |
1.240% |
1.250% |
| $100,000-249,999 |
$1,000 |
$100,000 |
$1,000 |
1.590% |
1.600% |
| $250,000
& higher |
$1,000 |
$250,000 |
$1,000 |
1.590% |
1.600% |
| Basic
Savings |
$100 |
$0 |
$100 |
0.350% |
0.350% |
| 6 Month CD: |
| $1,000-24,999 |
$1,000 |
$1,000 |
N/A |
0.990% |
1.000% |
| $25,000 & higher |
$1,000 |
$25,000 |
N/A |
0.990% |
1.000% |
| 1
Year CD/IRA |
$1,000 |
$1,000 |
N/A |
1.640% |
1.650% |
| 18
Month CD/IRA |
$1,000 |
$1,000 |
N/A |
1.640% |
1.650% |
| 2
Year CD/IRA |
$1,000 |
$1,000 |
N/A |
1.730% |
1.750% |
| 2
½ Year CD/IRA |
$1,000 |
$1,000 |
N/A |
1.830% |
1.850% |
| 3
Year CD/IRA |
$1,000 |
$1,000 |
N/A |
2.320% |
2.350% |
| 4
Year CD/IRA |
$1,000 |
$1,000 |
N/A |
2.810% |
2.850% |
| 5
Year CD/IRA |
$1,000 |
$1,000 |
N/A |
3.100% |
3.150% |
| 24
Mo. Variable IRA |
$250 |
$250 |
N/A |
1.330% |
1.340% |
| 36
Mo. Variable IRA |
$250 |
$250 |
N/A |
1.930% |
1.950% |
| 60
Mo. Variable IRA |
$250 |
$250 |
N/A |
2.860% |
2.900% |
| |
|
|
*Interest is calculated using the daily balance method which
applies the daily periodic rate to the full amount of the principal
(collected balance) in the
account each day. Fees could reduce earnings on deposit accounts. For time deposit
accounts, a substantial penalty may be imposed for early withdrawal of principal.
**The service charge is assessed on the average daily balance in the account
which is calculated by adding the full amount of the principal (current balance)
in the account for each day of the month and dividing that figure by the
number of days in the month.
Note: All rates are variable except for CD's and fixed rate IRA's. For variable
rate accounts, rates are subject to change after the account is opened at
the Bank's discretion. Variable IRA rates are subject to change monthly,
and are indexed to Treasury Securities with matching maturities as published
in the Wall Street Journal the second Thursday of each month.
| Risk Based Capital Ratio as of 3/31/2009> |
29.190% |
| Total Assets as of 3/31/2009 |
$157 Million |
| Bauer Financial Reports |
'Five Stars' (highest rating) |
| Prime Rate |
3.250% |
| Cash Reserve APR (Variable Monthly) |
12.500% |
CALL US TOLL FREE AT: 1-800-776-(BANK) 2265 or 1-800-669-6328
Local: 719-574-2794
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