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CURRENT RATES
AND
SPECIAL OFFERS
Deposit Rates for:
- Portsmouth
- Waverly
- Wheelersburg and
- South Shore
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Rates in effect January 2 -10, 2009
| Account Type |
Minimum Balance to obtain the APY |
Compounding Method |
Interest Rate |
Annual Percentage Yield (APY) |
| Passbook Savings |
$10 |
Quarterly |
0.75% |
0.75% |
| Statement Savings |
$100 |
Monthly |
0.50% |
0.50% |
| NOW Account Checking |
$500 |
Monthly |
0.25% |
0.25% |
| Investors Money Market Account
(Rates subject to change at any time) |
$100 - $24,999
$25,000 - $49,999
$50,000 + |
Monthly |
1.50%
1.75%
2.25% |
1.51%
1.77%
2.27% |
| Health Savings Account |
$100 - $2,499
$2,500 - $9,999
$10,000+ |
Monthly |
2.00%
2.50%
3.00% |
2.02%
2.53%
3.04% |
| Basic Business Checking |
$500 |
Monthly |
0.25% |
0.25% |
| Commercial/Business Checking |
N/A |
N/A |
N/A |
N/A |
| Certificates of Deposit |
Minimum Balance to obtain the APY |
Compounding Method |
Interest Rate |
Annual Percentage Yield (APY) |
| 3 Month |
$2,500 |
None |
2.50% |
2.53% |
| 6 Month |
$2,500 |
None |
2.50% |
2.53% |
| 9 Month |
$2,500 |
None |
2.50% |
2.53% |
| 11 Month Special
|
$500 - $24,999
$25,000 +
|
None |
2.89%
2.99%
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2.90%
3.00%
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| 12 Month |
$500 |
Semi-Annual |
2.75% |
2.77% |
| 18 Month |
$500 |
Semi-Annual |
2.80% |
2.82% |
| 24 Month |
$500 |
Semi-Annual |
2.85% |
2.87% |
| 24 Month CDARS
|
$10,000
| Daily |
3.00%
|
3.05%
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| 30 Month |
$500 |
Semi-Annual |
2.90% |
2.92% |
| 3 Year |
$500 |
Semi-Annual |
2.95% |
2.97% |
| 4 Year |
$500 |
Semi-Annual |
3.00% |
3.02% |
| 5 Year |
$500 |
Semi-Annual |
3.25% |
3.28% |
| 5 Year CDARS
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$10,000
| Daily |
3.50%
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3.56%
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| Individual Retirement Account |
$100 |
Semi-Annual |
3.00% |
3.02% |
18 Month
(Other terms are available) |
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The APY assumes that interest must remain on deposit until maturity and that a withdrawal will reduce earnings.
There may be a penalty imposed for early withdrawal from Certificates of Deposit.
Depositors insured to $250,000 by FDIC.
Certificates with balances greater than $250,000 could receive higher rates. Please call (740) 354-3177 for details.
Fees may reduce earnings on accounts.
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