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Rates
Effective Date: May 5, 2008
Certificate of Deposit Rates**
|
| Term |
Tiers |
APY* |
|
$500 - $9,999 |
1.76% |
| 3 Months |
$10,000 - $24,999 |
2.02% |
|
$25,000 + |
2.27% |
| |
|
$500 - $9,999 |
2.01% |
| 6 Months |
$10,000 - $24,999 |
2.26% |
|
$25,000 + |
2.52% |
| |
|
$500 - $9,999 |
2.07% |
| 12 Months |
$10,000 - $24,999 |
2.32% |
|
$25,000 + |
2.57% |
| |
|
$500 - $9,999 |
2.47% |
| 24 Months |
$10,000 - $24,999 |
2.68% |
|
$25,000 + |
2.93% |
| |
|
$500 - $9,999 |
2.52% |
| 36 Months |
$10,000 - $24,999 |
2.78% |
|
$25,000 + |
3.03% |
| |
|
$500 - $9,999 |
2.63% |
| 48 Months |
$10,000 - $24,999 |
2.88% |
|
$25,000 + |
3.14% |
| |
|
$500 - $9,999 |
2.73% |
| 60 Months |
$10,000 - $24,999 |
2.98% |
|
$25,000 + |
3.24% |
Checking and Savings Rates***
|
| Account |
Tiers |
APY* |
| Now Checking |
None |
0.10% |
| Elite Checking |
None |
0.10% |
| Elite 50 Checking |
None |
0.10% |
| Reward Checking |
None |
0.10% |
| 50+ Club |
None |
0.10% |
| |
| Small Business Interest Checking |
None |
0.10% |
| |
| Youth Statement Savings |
None |
0.25% |
| Consumer Statement Savings |
None |
0.25% |
| Business Statement Savings |
None |
0.25% |
| |
| Consumer Money Market Savings |
$0.00 - $2,499.99 |
0.50% |
| Business Money Market Savings |
$2,500.00 - $9,999.99 |
0.50% |
|
$10,000.00 - $24,999.99 |
1.00% |
|
$25,000.00 - $99,999.99 |
1.71% |
|
$100,000.00 - $199,999.99 |
1.81% |
|
$200,000.00+ |
1.92% |
| |
| Reward Money Market Savings |
$0.00 - $2,499.99 |
0.75% |
| (Consumer only) |
$2,500.00 - $9,999.99 |
0.75% |
|
$10,000.00 - $24,999.99 |
1.26% |
|
$25,000.00 - $99,999.99 |
1.97% |
|
$100,000.00 - $199,999.99 |
2.07% |
|
$200,000.00+ |
2.17% |
| |
| *Annual Percentage Yields (APY) and Interest Rates currently offered are on accounts offered by First Federal Bank and effective for the date listed above, unless otherwise noted. Interest rates currently offered on all deposit accounts are determined at the bank's discretion and may change without notice. Fees could reduce earnings on the accounts. |
| |
| **Certificates of deposit: |
| Minimum deposit to open account is $500, excluding featured CD where minimum opening deposit may be higher. |
| |
| The Annual Percentage Yield is a percentage rate that reflects the total amount of interest paid on the account, based on interest rate and the frequency of compounding for a 365 day period. Compounding interest for certificates less than one year will be at maturity, and the compounding interest for certificates one year and greater will be quarterly. |
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| The balance tiers for the accounts listed on the screen are as follows: $500-$9,999; $10,000-$24,999; and $25,000+. Each tier shown reflects the current minimum balance required to obtain the applicable Annual Percentage Yield. |
| |
| Certificate of deposit balances may be withdrawn at maturity or will be subject to a substantial penalty for early withdrawal. Penalties could reduce earnings. |
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| Individual Retirement Accounts (IRAs) and Roth IRAs may be opened as Certificates of Deposit with the same rate and term as stated above. |
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| ***Checking and Savings Accounts: |
| |
| Interest is paid quarterly on Youth Statement Savings, Consumer Statement Savings, and Business Statement Savings. |
| |
| Interest is paid monthly on all other checking and savings accounts. |
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| Interest earned on checking and savings accounts is based on daily collected balance. |
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