Index

Rates

Certificates of Deposit

APY = Annual Percentage Yield

Regular & Fixed Rate IRA's
(Effective 12/30/08 - 01/05/09)

Substantial Penalty for Early Withdrawal.  Fees May Reduce Earnings. 

 

 

$500 - $9,999.99

Term	Interest Rate	APY
3 Months*	1.00	1.00
6 Months*	1.00	1.00
12 Months*	1.49	1.50
24 Months*	2.72	2.75
36 Months*	2.72	2.75
48 Months*	2.72	2.75
60 Months*	2.72	2.75

$10,000 - $49,999.99

Term	Interest Rate	APY
3 Months*	1.24	1.25
6 Months*	1.24	1.25
12 Months*	1.74	1.75
24 Months*	2.97	3.00
36 Months*	2.97	3.00
48 Months*	2.97	3.00
60 Months*	2.97	3.00

$50,000 & OVER

Term	Interest Rate	APY
3 Months*	1.49	1.50
6 Months*	1.49	1.50
12 Months*	1.99	2.00
24 Months*	3.20	3.25
36 Months*	3.20	3.25
48 Months*	3.20	3.25
60 Months*	3.20	3.25

***CD SPECIALS***
($500 Minimum)

Term	Interest Rate	APY
9 Months*	1.74	1.75
15 Months*	2.48	2.50
18 Months*	2.72	2.75

*Add .25% APY to any term with a new or existing checking or savings account.

Anniversary Special

Term	Interest Rate	APY

***$50,000/Minimum-Not eligible for IRA's or .25% add on.

Checking Account Rates

Regal Club Account
(Minimum Deposit $100)
(Interest Rates Effective 1/13/09)

*Interest Rates may change after the account is open*

Average Available Balance	Interest Rate	APY
$0 - $499.99	0.00	0.00
$500 - $2,499.99	0.25	0.25
$2,500 - $9,999.99	0.25	0.25
$10,000 - $24,999.99	0.50	0.50
$25,000 - $49,999.99	0.75	0.75
$50,000 - $99,999.99	1.00	1.00
$100,000 - $149,999.99	1.24	1.25
$150,000 & Over	1.49	1.50

VIP Account
(Minimum Deposit $100)
(Interest Rates Effective 1/20/09)

*Interest Rates may change after the account is open*

Average Available Balance	Interest Rate	APY
$0 - $2,499.99	0.00	0.00
$2,500 - $9,999.99	0.25	0.25
$10,000 & Over	0.50	0.50

Money Market Account
(Minimum Deposit $2,500; Interest Rates Effective 1/13/09)

*Interest Rates may change after the account is open*

Average Available Balance	Interest Rate	APY
$0 - $2,499.99	0.00	0.00
$2,500 - $9,999.99	0.75	0.75
$10,000 - $24,999.99	1.00	1.00
$25,000 - $49,999.99	1.24	1.25
$50,000 - $99,999.99	1.49	1.50
$100,000 - $149,999.99	1.74	1.75
$150,000 - $199,999.99	1.74	1.75
$200,000 - $499,999.99	1.98	2.00
$500,000 & Over	2.23	2.25

Savings Account Rates

Regular Savings
(Minimum Deposit $100)
(Interest Rates Effective 12/31/08)

*Interest Rates may change after the account is open*

Interest Rate	APY
1.00	1.00

Business Sweep
(Interest Rates Effective 1/13/09)

*Interest Rates may change after the account is open*

Average Available Balance	Interest Rate	APY
$0 - $24,999.99	0.75	0.75
$25,000 - $49,999.99	1.00	1.00
$50,000 - $99,999.99	1.24	1.25
$100,000 - $499,999.99	1.49	1.50
$500,000 - $999,999.99	1.74	1.75
$1,000,000 & Over	1.98	2.00

Variable Rate IRA Savings
(Minimum Deposit $100)
(Interest Rates Effective 12/31/08)

*Interest Rates may change after the account is open*

Interest Rate	APY
1.99	2.00

Variable Rate Health Savings Account
(Minimum Deposit $0)
(Interest Rates Effective 12/31/08)

*Interest Rates may change after the account is open*

Interest Rate	APY
1.99	2.00