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Deposit Rates

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DEPOSIT RATE SHEET
Deposit Rates and Annual Percentage Yields

Rates and Annual Percentage Yields are accurate as of: February 1, 2013

Checking & Savings Products
Product NameMin. Balance to Earn APY Interest
Rate
Annual
Percentage Yield

Interest Checking *
$1,000 minimum balance or

$5,000 total deposits or
$5,000 in personal loans

$0.01 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $ above
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%

Forward Interest Checking *
$5,000 minimum opening deposit, 

$5,000 minimum balance or

total deposits of $50,000

$0.01 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 - $249,999.99

$250,000.00 - $ above

0.01%
0.02%
0.05%
0.05%
0.05%

0.01%
0.02%
0.05%
0.05%
0.05%

Health Savings Account (checking) *$0.000.05%0.05%
Regular Savings Account *
$200 Minimum Opening Deposit
(waived if under age 21 or age 65 and over)
$0.000.05%0.05%
IRA Savings Account *$0.000.25%0.25%
Money Market Savings *$1,000 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $ above
0.01%
0.02%
0.05%
0.07%
0.01%
0.02%
0.05%
0.07%
Forward Money Market *$5,000.00 - $149,999.99
$150,000.00 - $ above
0.05%
0.25%
0.05%
0.25%
Forward Business Checking
Earnings Credit is calculated on available balance (less 10% reserve balance requirement) to offset service charges

0.05% effective 2/01/2011 (changed monthly on the 1st of the month)

Auto-Renewable Certificates of Deposit
***Public Funds NOT Eligible***
3 Month Certificate$500.00 0.20% 0.20%
6 Month Certificate$500.00 0.25% 0.25%
12 Month Certificate$500.00 0.30% 0.30%
18 Month Certificate$500.00 0.35% 0.35%
24 Month Certificate$500.00 0.75% 0.75%
30 Month Certificate$500.00 0.90% 0.90%
36 Month Certificate$500.00 1.00% 1.00%
48 Month Certificate$500.00 1.49% 1.50%
60 Month Certificate$500.00 1.74% 1.75%
 Retirement Account Certificates (Auto-Renewable)   
12 Month IRA/Keogh $500.000.25% 0.25%
18 Month IRA/Keogh $500.00 0.30% 0.30%
24 Month IRA/Keogh  $500.00 0.70% 0.70%
30 Month IRA/Keogh $500.00 0.85% 0.85%
60 Month IRA/Keogh $500.00 1.69% 1.70%
 Variable Rate Certificates (no longer available, for rate changes only)
48 Month Upgrade Certificate$2,500.001.39%1.40%

* Variable Rate - Rate may change after the account is opened. Fees may reduce the earnings on the account.

A penalty may be imposed for early withdrawal of any certificates of deposit.

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