|
Union State Bank
Certificate of Deposit
Interest Rates
As of 9/2/2008
|
Certificates of Deposit |
|
Term |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) % |
|
3 month |
Quarterly |
2.430 |
2.45 |
|
6 month |
Quarterly |
2.530 |
2.55 |
|
12 month |
Quarterly |
2.670 |
2.70 |
|
18 month |
Quarterly |
2.720 |
2.75 |
|
24 month |
Quarterly |
2.820 |
2.85 |
|
Investor’s Choice CD’s |
|
Term |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) % |
|
36 month |
Quarterly |
3.020 |
3.05 |
|
60 month |
Quarterly |
3.310 |
3.35 |
|
Individual Retirement Accounts (IRA’s) |
|
Term |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) % |
|
18 month |
Quarterly |
2.720 |
2.75 |
|
36 month* |
Quarterly |
3.020 |
3.05 |
|
60 month* |
Quarterly |
3.310 |
3.35 |
|
*Investor’s Choice IRA’s |
- Minimum Deposit is $1,000.00
- Interest Rates are for all CD’s
Regardless of Amount
- Penalty for Early Withdrawal on All
Certificates of Deposit
- The APY (Annual Percentage Yield)
assumes that interest will remain on deposit until
maturity.
A withdrawal of interest will reduce earnings.
Money Market, NOW & Savings Accounts
Interest Rates
As of 9/2/2008
|
Money Market Account *
|
|
Balance Range |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) |
|
$0 - $999.99 |
Monthly |
.25 |
.25 |
|
$1,000.00 - $24,999.99 |
Monthly |
.75 |
.75 |
|
$25,000.00 - $49,999.99 |
Monthly |
1.15 |
1.16 |
|
$50,000.00 & $99,000.00 |
Monthly |
1.45 |
1.46 |
|
$100,000 & up |
Monthly |
2.25 |
2.27 |
|
NOW Accounts * |
|
Minimum Deposit |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) |
|
$1000.00 |
Monthly |
0.25 |
0.25 |
|
Silver Advantage NOW Accounts *
|
|
Balance Range |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) |
|
$0 - $9,999.99 |
Monthly |
0.25 |
0.25 |
|
$10,000.00 & up |
Monthly |
0.50 |
0.50 |
|
Savings Accounts*
|
|
Minimum Deposit |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) |
|
$25.00 |
Quarterly |
0.50 |
0.50 |
|
** Youth Saver's Account *
|
|
Minimum Deposit |
Compounding Schedule |
Annual Interest Rate % |
Annual Yield (APY) |
|
$25.00 |
Quarterly |
2.50 |
2.52 |
| |
|
|
|
- The Interest Rate May Change after
Money Market, NOW & Savings Accounts are open.
- The APY (Annual Percentage Yield)
assumes the principal & its interest will remain on
deposit for a full year at the listed rate or until
maturity.
- Withdrawals, fees and other conditions
could reduce earnings. The accounts shown may
require a minimum daily balance and /or impose a penalty
for early withdrawal.
- If the account balance falls below the
Minimum, any day of the Statement period, a $10.00 fee
will be charged to the account.
- On the Tiered MMKT account, if the
balance falls below the minimum, the interest rate reverts
to the next lesser rate.
- **Eligible up to 16 years of age.
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