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IMPORTANT INFORMATION ABOUT PROCEDRUES FOR OPENIENG A NEW ACCOUNT

To help the government fight the funding of terroism and money laundering activities, federal law requres all financial instituions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to idenfity you.  We may also ask to see your driver's license or other identifying documents.

Rate Center

 

   Certificates of Deposit
Less than $99,999.99
Minimum deposit $500.00
Minimum Balance $500.00

Term

Annual
Percentage 
Yield

Interest Rates

1 Month

.10

.10

3 Months

.10

.10

182 Days

.15

.15

12 Months

.35

.35

18 Months

.40

.40

24 Months

0.55

0.55

30 Months

0.60

0.60

36 Months

0.75

0.75

48 Months

0.95

0.95

60 Months

1.20

1.21

  All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013
A penalty imposed for early withdrawal on CD's.
 
The annual percentage yield assumes interest will remain on deposit until maturity.

       Certificate of Deposit

    Greater than $99,999.99
 Minimum Deposit $100,000.00
Minimum Balance $100,000.00

Term

Annual
Percentage
Yield

Interest Rates

1 Month

.15

.15

3 Months

.15

.15

6 Months

.25

.25

12 Months

.45

.45

All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013
A penalty imposed for early withdrawal on CD's.
 
The annual percentage yield assumes interest will remain on deposit until maturity.

 

 IRA (Traditional IRA, Roth IRA and Education IRA)
Minimum Deposit $500.00
Minimum Balance $500.00
TDOA Minimum Deposit $100.00

 

Term

Annual
Percentage
Yield

Interest Rates

18 Month

.45

.45

30 Month

0.65

0.65

TDOA

0.75

0.75

All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013

A penalty imposed for early withdrawal on CD's. 
The annual percentage yield assumes interest will remain on deposit until maturity.

For reference only, please call a Customer Service Representative for current rates and conditions at (606)598-6111.

                              

                          Deposit Accounts                                       

 

 Account Type Minimum Opening Deposit/Minimum
Balance
Annual Precentage Yield  Interest Rate 
Super Now Account1

$1,000.00

 .10

 .10

Personal Money1 Market

$1,000.00 

 .15

 .15

Non Personal Money Market2

 $5,000.00

 .15

 .15

Statement Savings3

 $100.00

 .15

 .15

Vacation Club4

 $2.00

 0.25

 0.25

Christmas Club4

 $2.00

 0.25

 0.25

       

 


There will be an early close fee of $15.00 for any account that is closed within 180 days of opening.
The Annual Precentage Yield is accurate as of 1/13/2014.                

The interest rate and annual precentage yield may change.  At our discretion, we may change the interest rate on the account weekly.  Interest begins to accure on the business day you deposit noncash itmes (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  Unless your account is a Vacation or Christmas Club and it will be credited to your account at maturity.  If the account is closed before interest is credited, you will not receive the accured interest.  

1See Personal Checking Accounts webpage  for information on compounding, crediting, and other balance information.
2See Business Checking Accounts webpage for information on compounding, crediting, and other balance information.
3See Savings Accounts webpage for information on compounding, crediting, and other balance information.
4See Savings Accounts webpage for information on compouding, crediting, and other balance information.

 

 

 

 

 

 

 

 

 

 

 

Mortgage and Loan Rates

Please contact any of our Loan Officers for current Loan Rates (606) 598-6111

 

 

 

 

 

 

                                                         

 

 

 

 

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