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 2/7/2012 through 2/13/2012

For CD's over $100,000 + maturity please call your local branch for current interest rates.

Rate quotes apply to amounts up to $999,999.99.

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 0.15% 0.15%
6 Months a $1,000.00 $1,000.00 c 0.25% 0.25%
12 Months a $1,000.00 $1,000.00 c 0.25% 0.25%
18 Months a $1,000.00 $1,000.00 c 0.30% 0.30%
24 Months a $1,000.00 $1,000.00 c 0.40% 0.40%
30 Months a $1,000.00 $1,000.00 c 0.50% 0.50%
36 Months a $1,000.00 $1,000.00 c 0.75% 0.75%
48 Months a $1,000.00 $1,000.00 c 0.90% 0.90%
60 Months a $1,000.00 $1,000.00 c 1.30% 1.31%
**12 Months Royal Express a $1,000.00 $1,000.00 c 0.50% 0.50%

** 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 $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   0.25% 0.25%
  $2,500.00 - $9,999.99   0.25% 0.25%
  $10,000.00 - $24,999.99   0.30% 0.30%
  $25,000.00 - $49,999.99   0.35% 0.35%
  $50,000.00 - $99,999.99   0.40% 0.40%
  $100,000.00 - $249,999.99   0.60% 0.60%
  $250,000.00 - $999,999.99   0.60% 0.60%
  $1,000,000.00 and up   0.50% 0.50%

***With $20,000 in combined deposit balances in checking, savings, money market accounts, certificates of deposit or, $20,000 in retail loan balances or lines of credit.
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.
a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.
d) Average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing the figure by the number of days in the period.

Savings Accounts

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
Savings b $100.00 $100.00 d 0.25% 0.25%
IRA Savings a b $100.00 $100.00 c 0.25% 0.25%
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 0.20% 0.20%