Current Interest Rates

 

This Interest Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

Interest Rates are effective 03/09/2010 through 03/15/2010

Certificate of Deposit

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
3 Months a $1,000.00 $1,000.00 c 0.50% 0.50%
6 Months a $1,000.00 $1,000.00 c 0.60% 0.60%
12 Months a $1,000.00 $1,000.00 c 1.15% 1.16%
18 Months a $1,000.00 $1,000.00 c 1.35% 1.36%
24 Months a $1,000.00 $1,000.00 c 1.90% 1.91%
30 Months a $1,000.00 $1,000.00 c 1.90% 1.91%
36 Months a $1,000.00 $1,000.00 c 2.50% 2.52%
48 Months a $1,000.00 $1,000.00 c 2.50% 2.52%
60 Months a $1,000.00 $1,000.00 c 2.80% 2.83%
**12 Months Royal Express a $1,000.00 $1,000.00 c 1.40% 1.41%

** must have existing Royal Express deposit account to qualify for this rate.

Checking Accounts

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
***Personal Relationship b $100.00   0.15% 0.15%
Now Accounts b $100.00 $800.00 c 0.15% 0.15%
Super Now Accounts b $100.00 $1,000.00 c    
Daily Balances: $1,000.00 - $2,499.99   0.15% 0.15%
  $2,500.00 and up   0.20% 0.20%
Business Super Now b $100.00 $1,000.00 c    
Daily Balances: $1,000.00 - $2,499.99   0.15% 0.15%
  $2,500.00 and up   0.20% 0.20%
Money Market Account b $100.00 $1,000.00 c    
Daily Balances: up to $2,499.99   0.40% 0.40%
  $2,500.00 - $9,999.99   0.40% 0.40%
  $10,000.00 - $24,999.99   0.45% 0.45%
  $25,000.00 - $49,999.99   0.50% 0.50%
  $50,000.00 - $99,999.99   0.55% 0.55%
  $100,000.00 and up   0.65% 0.65%

a) A penalty will be imposed for early withdrawal.
Fees could reduce earnings on the account.
Interest Rates and Annual Percentage Yields are current.
Interest Rates are subject to change without prior notice.
For current Interest Rate information please contact your local branch.

Savings Accounts

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
Savings b $100.00 $100.00 d 0.50% 0.50%
IRA Savings a b $100.00 $100.00 c 0.50% 0.50%
Vacation Club b     0.25% 0.25%
Christmas Club b     0.25% 0.25%

Specials

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
3 Months Savings plus CD a $1,000.00 $1,000.00 c 0.60% 0.60%