THESE ARE OUR CURRENT RATES
(* DENOTES A CHANGE: last change 4/16/2008)
RATES EFFECTIVE AS OF: April 16, 2008
| PRODUCTS: |
ANNUAL PERCENTAGE YIELD (APY) | INTEREST RATE | COMPOUNDING AND CREDITING FREQUENCY |
OPENING BALANCE (MINIMUM) | MINIMUM BAL. TO EARN APY {AVG. DAILY COL.} |
||
| TRANSACTION ACCOUNTS: [Rates may change after the acount is opened; Fees may reduce earnings] | |||||||
| SAVINGS |
0.30% | 0.30% | QUARTERLY | $100.00 | $100.00 | ||
| NOW ACCOUNT | 0.10% | 0.10% | MONTHLY | $1,000.00 | $1,000.00 | ||
| SENIOR CITIZENS (PRESTIGE) | 0.40% | 0.40% | MONTHLY | $100.00 | $2,500.00 | ||
| MONEY MARKET (TIERS) | 0.50% | 0.50% | MONTHLY | $1,500.00 - $9,999.99 | $1,500.00 | ||
| 0.65% | 0.65% | MONTHLY | $10,000.00-$24,999.99 | $10,000.00 | |||
| 1.00% | 1.00% | MONTHLY | $25,000.00- $74,999.99 | $25,000.00 | |||
| 1.51% | 1.50% | MONTHLY | $75,000.00 and over | $75,000.00 | |||
|
PREMIUM e CHECKING (*4 FREE AND EASY REQUIREMENTS MUST BE MET
EACH CYCLE*) *REQUIREMENTS: (APY) RATE FREQUENCY BALANCES *Enroll & Receive Monthly e-Statements 5.01% 4.90% MONTHLY on balances between $.01 to$100,000.00* *15 POS Visa Debit Card Transactions 1.01% 1.00% MONTHLY on balances over $100,000.00* *1 Recurring ACH Direct Deposit or Debit 0.25% 0.25% MONTHLY on all balances when requirements are not met *Pay one bill through our Internet Bank Bill Pay |
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| JUMBO CERTIFICATES: | |||||||
| 30 DAY JUMBO CD | 1.00% | 1.00% | MONTHLY | $100,000.00 | $100,000.00 | ||
| 90 DAY JUMBO CD | * |
1.61% | 1.61% | MONTHLY | $100,000.00 | $100,000.00 | |
| 182 DAY JUMBO CD | * |
1.92% | 1.92% | MONTHLY | $100,000.00 | $100,000.00 | |
| 12 MONTH JUMBO CD | * |
2.38% | 2.35% | MONTHLY | $100,000.00 | $100,000.00 | |
| 18 MONTH JUMBO CD | * |
2.38% | 2.35% | MONTHLY | $100,000.00 | $100,000.00 | |
| 24 MONTH JUMBO CD | * |
2.43% | 2.40% | MONTHLY | $100,000.00 | $100,000.00 | |
| 36 MONTH JUMBO CD | * |
2.43% | 2.40% | MONTHLY | $100,000.00 | $100,000.00 | |
| 48 MONTH JUMBO CD | * |
2.43% | 2.40% | MONTHLY | $100,000.00 | $100,000.00 | |
| 60 MONTH JUMBO CD | * |
2.43% | 2.40% | MONTHLY | $100,000.00 | $100,000.00 | |
| REGULAR CERTIFICATES: | |||||||
| 30 DAY CD |
0.75% | 0.75% | MONTHLY | $1,000.00 | $1,000.00 | ||
| 90 DAY CD |
* |
1.51% | 1.50% | MONTHLY | $1,000.00 | $1,000.00 | |
| 182 DAY CD |
* |
1.81% | 1.80% | MONTHLY | $1,000.00 | $1,000.00 | |
| 12 MONTH CD | * |
2.27% | 2.25% | MONTHLY | $1,000.00 | $1,000.00 | |
| 18 MONTH CD | * |
2.27% | 2.25% | MONTHLY | $1,000.00 | $1,000.00 | |
| 24 MONTH CD | * |
2.32% | 2.30% | MONTHLY | $1,000.00 | $1,000.00 | |
| 36 MONTH CD | * |
2.32% | 2.30% | MONTHLY | $1,000.00 | $1,000.00 | |
| 48 MONTH CD | * |
2.32% | 2.30% | MONTHLY | $1,000.00 | $1,000.00 | |
| 60 MONTH CD | * |
2.32% | 2.30% | MONTHLY | $1,000.00 | $1,000.00 | |
| TRADITIONAL & ROTH IRA'S: | |||||||
| 12 MONTH | JUMBO IRA | * |
2.37% | 2.35% | QUARTERLY | $100,000.00 | $100,000.00 |
| 24 MONTH | JUMBO IRA | * |
2.42% | 2.40% | QUARTERLY | $100,000.00 | $100,000.00 |
| 36 MONTH | JUMBO IRA | * |
2.42% | 2.40% | QUARTERLY | $100,000.00 | $100,000.00 |
| 48 MONTH | JUMBO IRA | * |
2.42% | 2.40% | QUARTERLY | $100,000.00 | $100,000.00 |
| 60 MONTH | JUMBO IRA | * |
2.42% | 2.40% | QUARTERLY | $100,000.00 | $100,000.00 |
| 12 MONTH | REGULAR IRA | * |
2.27% | 2.25% | QUARTERLY | $300.00 | $300.00 |
| 24 MONTH | REGULAR IRA | * |
2.32% | 2.30% | QUARTERLY | $300.00 | $300.00 |
| 36 MONTH | REGULAR IRA | * |
2.32% | 2.30% | QUARTERLY | $300.00 | $300.00 |
| 48 MONTH | REGULAR IRA | * |
2.32% | 2.30% | QUARTERLY | $300.00 | $300.00 |
| 60 MONTH | REGULAR IRA | * |
2.32% | 2.30% | QUARTERLY | $300.00 | $300.00 |
| A MESSAGE TO OUR CUSTOMERS: | |||||||
| RATES LISTED ON THIS SHEET ARE ACCURATE AS OF THE DATE ABOVE. RATES ARE SUBJECT TO CHANGE DAILY AT THE DISCRETION OF THE SNBT RATE COMMITTEE. EARLY WITHDRAWAL PENALTIES MAY REDUCE EARNINGS. FOR FURTHER INFORMATION PLEASE CONTACT AN EMPLOYEE. | |||||||
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