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Rates Subject to Change
Rates valid through 07/28/2010. Interest Rates & Annual Percentage Yields (Compounded Quarterly for CDs and Monthly for Checking and Savings) are:
| Certificates of Deposit/IRAs |
| Term |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open (CD/IRAs) |
| 3 Months a,c |
.51% |
.51% |
$1,000 |
| 6 Months a |
.75% |
.75% |
$1,000/$100.00 |
| Floating Rate IRA-6 Mo a,b |
.75% |
.75% |
$1,000/$100.00 |
| 9 Months a,c |
.85% |
.85% |
$1,000/$100.00 |
| 12 Months a |
1.05% |
1.05% |
$1,000/$100.00 |
| 15 Months a |
1.20% |
1.21% |
$1,000/$100.00 |
| 18 Months a |
1.35% |
1.36% |
$1,000/$100.00 |
| 24 Months a |
1.53% |
1.54% |
$1,000/$100.00 |
| 30 Months a |
1.84% |
1.85% |
$1,000/$100.00 |
| 36 Months a |
2.03% |
2.05% |
$1,000/$100.00 |
| 48 Months a |
2.33% |
2.35% |
$1,000/$100.00 |
| 60 Months a |
2.59% |
2.62% |
$1,000/$100.00 |
| * Variable Rate CD a,b |
1.05% |
1.05% |
$1,000/$100.00 |
| Money Market Account1 ($750.00 Min. Opening Dep.) |
|
Interest Rate |
Annual Percentage Yield |
| $0 up to $10,000 |
0.85%b |
0.85%b |
| $10,000 up to $30,000 |
0.85%b |
0.85%b |
| $30,000 & Over |
0.85%b |
0.85%b |
| Treasury Money Market Account ($10,000 Min. Opening Dep.) |
| $10,000 Daily Minimum Balance Required to Obtain Annual Percentage Yield |
|
Interest Rate |
Annual Percentage Yield |
| $0 up to $10,000 |
0.00%b |
0.00%b |
| $10,000 up to $25,000 |
.85%b |
.85%b |
| $25,000 & Over |
1.10%b |
1.11%b |
| NOW & PCBEE Account2 |
|
Interest Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
| 0 & Over b |
0.50%b |
0.50%b |
$50.00 |
| 50+Free Checking, VIP Free Checking, Business Interest Checking |
|
Interest Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
| 0 & Over b |
0.50%b |
0.50%b |
$50.00 |
| Premium Select Checking3 |
|
Interest Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
| 0 up to $1500 |
0.50%b |
0.50%b |
$50.00 |
| $1500 & Over |
0.75%b |
0.75%b |
$50.00 |
| Ultimate Checking4 |
|
Interest Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
| 0 up to $25,000 |
2.97%b |
3.01%b |
$50.00 |
| $25,000 & Over |
0.99%b |
.99%b |
$50.00 |
| Statement Savings Accounts5 |
|
Interest Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
| Savings |
0.75%b |
0.75%b |
$50.00 |
| Minor Savings |
1.00%b |
1.00%b |
$25.00 |
| Savings Bonds - Current Rates |
| Series I |
1.74% |
Thru 10/31/2010 |
| Series EE |
1.40% |
Thru 10/31/2010 |
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Fixed Rate IRAs are available at the same rate as an equal term Certificate of Deposit.
*Rate subject to change weekly - rate based on current 12 month CD rate; 24 month term; can add to balance, no less than $500 each deposit.
1) Money Market accounts will have a monthly service charge of $5.00 if the balance falls below $750.
2) The PCBEE Club Account has no monthly service charge with a $5,000 total deposit relationship with PCB or if balance falls below $5,000, a $7.00 per month service fee is charged.
3) Premium Select Checking will have a monthly service charge of $6.00 if balance falls below $1500.
4) To qualify for Ultimate Interest and refunds of all ATM fees, you just need to meet a few simple requirements each monthly statement cycle: (1) Use your debit card 10 times or more at point-of-sale transactions (2) Have a direct deposit or ACH (3) Choose to terminate recieving paper statements by mail. Individuals that do not meet the monthly statement requirements will receive .10% Annual Percentage Yield on the entire balance.
5) Savings Account will have a service charge of $3.00 per month if the balance drops below $50. There is no service charge on the active account of a minor (under age 18). You may make 6 withdrawals from your savings account per month. Additional withdrawals will be service charged at $1.00 each.
Fees could reduce the earnings on the account.
For current rate information call (573) 364-5202 or (573) 265-3222. |
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