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PRODUCT INFORMATION SHEET
Effective through July 27, 2008
Certificates of Deposit
|
| Product |
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Opening Deposit |
| 3 Month |
2.230% |
2.25% |
$2,500 |
| 6 Month |
2.720% |
2.75% |
$2,500 |
| 12 Month |
2.970% |
3.00% |
$2,500 |
| 18 Month |
2.970% |
3.00% |
$2,500 |
| 24 Month |
3.110% |
3.15% |
$2,500 |
| 30 Month |
3.600% |
3.65% |
$2,500 |
| 36 Month |
3.800% |
3.85% |
$2,500 |
| 48 Month |
3.940% |
4.00% |
$2,500 |
| 60 Month |
3.940% |
4.00% |
$2,500 |
Retirement Certificates of Deposit Accounts
|
| Product |
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Opening Deposit |
| 6 Month |
2.720% |
2.75% |
$2,000 |
| 12 Month |
2.970% |
3.00% |
$2,000 |
| 18 Month |
2.970% |
3.00% |
$2,000 |
| 24 Month |
3.110% |
3.15% |
$2,000 |
| 30 Month |
3.600% |
3.65% |
$2,000 |
| 36 Month |
3.800% |
3.85% |
$2,000 |
| 48 Month |
3.940% |
4.00% |
$2,000 |
| 60 Month |
3.940% |
4.00% |
$2,000 |
| 12 Month Variable Rate |
1.000% |
1.00% |
$1,000 |
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The Annual Percentage Yield on all certificates, except those with a term of less than six months,
assumes all principal and interest remain on deposit until maturity. The APY for certificates with a
term of less than six months assumes that interest does not remain on deposit until maturity. A
withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The minimum balance
required to earn the APY is $2,500 for Certificates of Deposit, and $2,000 for Retirement Certificates of
Deposit, and $1,000 for the 12 Month Variable Rate Retirement Account. The interest rate and APY for
the 12 Month Variable Rate Retirement account is variable and may change after the account is opened.
The interest rates and Annual Percentage Yields in this Product Information Sheet are subject to
change without notice. For additional information regarding applicable fees and terms, including other
available certificate terms, refer to the Understanding Your Deposit Account information or contact
a Personal Banker. For current rate information call (847)590-5200 or contact a Personal Banker.
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Effective through July 27, 2008
Money Market Accounts and Checking With Interest Accounts
|
| Products |
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Opening Deposit |
Minimum Balance to Earn APY |
| Platinum Insured Money Market Account |
1.980% |
2.00% |
$15,000 |
$0.01 |
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2.470% |
2.50% |
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$15,000 |
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2.470% |
2.50% |
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$50,000 |
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2.720% |
2.75% |
|
$100,000 |
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2.720% |
2.75% |
|
$250,000 |
| Insured Money Market Account |
0.60% |
0.60% |
$2,500 |
$0.01 |
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1.00% |
1.00% |
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$2,500 |
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1.240% |
1.25% |
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$25,000 |
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1.240% |
1.25% |
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$50,000 |
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1.240% |
1.25% |
|
$100,000 |
| Platinum Rewards Checking With Interest |
0.40% |
0.40% |
$100 |
$0.01 |
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0.40% |
0.40% |
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$2,500 |
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0.40% |
0.40% |
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$25,000 |
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0.40% |
0.40% |
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$50,000 |
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0.40% |
0.40% |
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$100,000 |
| Money Market Checking With Interest |
0.40% |
0.40% |
$100 |
$0.01 |
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0.40% |
0.40% |
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$2,500 |
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0.40% |
0.40% |
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$25,000 |
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0.40% |
0.40% |
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$50,000 |
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0.40% |
0.40% |
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$100,000 |
| Checking With Interest |
0.40% |
0.40% |
$100 |
$0.01 |
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0.40% |
0.40% |
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$2,500 |
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0.40% |
0.40% |
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$25,000 |
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0.40% |
0.40% |
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$50,000 |
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0.40% |
0.40% |
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$100,000 |
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Savings Accounts
|
| Product |
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Opening Deposit |
Minimum Balance to Earn APY |
| Passbook |
0.60% |
0.60% |
$25 |
$0.01 |
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1.00% |
1.00% |
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$2,500 |
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1.24% |
1.25% |
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$15,000 |
| Youth Passbook |
1.00% |
1.00% |
$1 |
$0.01 |
| Platinum Passbook |
1.990% |
2.00% |
$2,500 |
$0.01 |
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2.720% |
2.75% |
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$15,000 |
| Statement Savings |
0.60% |
0.60% |
$25 |
$0.01 |
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The interest rates and Annual Percentage Yields in this Product Information Sheet are subject to
change without notice. Fees may reduce earnings. For additional information regarding applicable fees and terms, including other
available certificate terms, refer to the Understanding Your Deposit Account information or contact
a Personal Banker. For current rate information call (847)590-5200 or contact a Personal Banker.
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