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Rates effective as of March 19, 2008

Checking Accounts

Account Type

APY* Interest Rate

Prosperity Checking (to $25,000)

5.51% 5.38%

Prosperity Checking (over $25,000)

1.01% 1.00%

*Annual Percentage Yield
The minimum to open Interest Checking is $250. Interest will accrue each day the balance is equal to or greater than the minimum required to obtain the APY on these accounts. Interest is accrued daily and credited monthly on all Interest Checking. Interest rates on all accounts are variable and subject to change at any time. Fees may reduce the earnings and APY. See Personal Banking for additional details.

Savings Accounts

Account Type

APY* Interest Rate

Savings Account

.65% .65%

Money Market Account

1.25% 1.24%

*Annual Percentage Yield
The minimum to open Interest Savings is $300. Interest will accrue each day the balance is equal to or greater than the minimum required to obtain the APY on these accounts. Savings interest is compounded daily and credited quarterly. Interest rates on all accounts are variable and subject to change at any time. Fees may reduce the earnings and APY. See Personal Banking for additional details.

Money Market Plus Accounts

Account Type

APY* Interest Rate

$75,000 and above

1.65% 1.64%

$50,000 to $74,999

1.35% 1.34%

$25,000 to $49,999

1.30% 1.29%

$10,000 to $24,999

1.05% 1.04%

$0.00 to $9,999

1.00% .99%
*Annual Percentage Yield
Certificates of Deposit

Account Type

Minimum APY* Interest Rate

91 Days

$10,000 2.00% 1.99%

182 Days

$2,500 2.00% 1.99%

12 Month

$1,000 2.70% 2.66%

18 Month

$1,000 2.70% 2.66%

24 Month

$1,000 2.70% 2.66%

36 Month

$1,000 2.70% 2.66%

48 Month

$1,000 2.70% 2.66%

60 Month

$1,000 2.70% 2.66%

Variable IRA

$100 3.00% 2.96%

*Annual Percentage Yield
The minimum to open and obtain the APY is the minimum stated in each category. APY stated for maturities of less than one year assumes interest compounds at maturity and is re-invested for the same term and rate for a year period. APY stated for maturities of one year or longer assumes interest is compounded monthly and remains on deposit until maturity. If interest is not compounded, the APY will be less than stated. A penalty may be imposed for early withdrawal. Refer to Truth-in-Savings disclosure for complete detail by account category.

 

 

 

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