|
|
| Rates Posted as of 7/5/2008 |
|
Deposit Rates |
| Account Type |
Minimum for APY |
Rate |
APY |
|
Min.
Balance
to Open |
| |
| Free Personal Checking |
0.00% |
0.00% |
|
$25.00 |
| Free Business Checking |
0.00% |
0.00% |
|
$100.00 |
| "VIP" Interest Checking |
$100.00 |
| |
$0.01 to $4,999.9 |
0.75% |
0.75% |
|
|
| |
$5,000.00 to $19,999.99 |
1.25% |
1.25% |
|
|
| |
$20,000.00 and above |
1.98% |
2.00% |
|
|
| |
| Statement Savings |
$100.00 |
| Tier 1 |
$0.01 to $2,499.99 |
0.30% |
0.30% |
|
|
| Tier 2 |
$2,500.00 to $24,999.99 |
1.00% |
1.00% |
|
|
| Tier 3 |
$25,000.00 to $49,999.99 |
1.50% |
1.50% |
|
|
| Tier 4 |
$50,000.00 to $99,999.99 |
1.98% |
2.00% |
|
|
| Tier 5 |
$100,000.00 and above |
1.98% |
2.00% |
|
|
| |
| Empire Savings Builder (available when linked to personal checking) |
$100.00 |
| Tier 1 |
$0.01 to $2,499.99 |
0.40% |
0.40% |
* |
|
| Tier 2 |
$2,500.00 to $24,999.99 |
1.50% |
1.50% |
* |
|
| Tier 3 |
$25,000.00 to $49,999.99 |
1.98% |
2.00% |
* |
|
| Tier 4 |
$50,000.00 to $99,999.99 |
2.22% |
2.25% |
* |
|
| Tier 5 |
$100,000.00 and above |
2.71% |
2.75% |
* |
|
| |
| Business Money Market |
$2,500.00 |
| Tier 1 |
$0.01 to $2,499.99 |
0.30% |
0.30% |
|
|
| Tier 2 |
$2,500.00 to $24,999.99 |
0.50% |
0.50% |
|
|
| Tier 3 |
$25,000.00 to $49,999.99 |
1.98% |
2.00% |
|
|
| Tier 4 |
$50,000.00 to $99,999.99 |
1.98% |
2.00% |
|
|
| Tier 5 |
$100,000.00 and above |
2.22% |
2.25% |
|
|
| Tier 5,
Municipal
MMA only |
$100,000.00 and above |
2.22% |
2.25% |
|
| |
|
|
|
|
| |
| Personal Money Market |
$2,500.00 |
| Tier 1 |
$0.01 to $2,499.99 |
0.30% |
0.30% |
|
|
| Tier 2 |
$2,500.00 to $24,999.99 |
0.50% |
0.50% |
|
|
| Tier 3 |
$25,000.00 to $49,999.99 |
1.98% |
2.00% |
|
|
| Tier 4 |
$50,000.00 to $99,999.99 |
1.98% |
2.00% |
|
|
| Tier 5 |
$100,000.00 and above |
2.22% |
2.25% |
|
|
|
|
| Account Type |
Minimum for APY |
Rate |
APY |
|
Min.
Balance
to Open |
| |
| Certificates of Deposit |
$1,000.00 |
| 3 mos |
$1,000.00 |
2.22% |
2.25% |
|
|
| 5 Month Special |
$1,000.00 |
3.01% |
3.05% |
 |
3.20% 3.25% |
| 6 mos |
$1,000.00 |
2.71% |
2.75% |
|
APY with |
| 12 mos |
$1,000.00 |
3.01% |
3.05% |
|
VIP Checking |
| 18 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 24 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 30 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 36 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 48 mos |
$1,000.00 |
3.44% |
3.50% |
|
|
| 60 mos |
$1,000.00 |
3.68% |
3.75% |
|
|
| |
|
|
|
|
|
| 36 Month
Access CD |
$1,000.00 |
3.73% |
3.80% |
** |
$1,000.00 |
| |
| IRA Certificates of Deposit |
$1,000.00 |
| 3 mos |
$1,000.00 |
2.22% |
2.25% |
|
|
| 5 Month Special |
$1,000.00 |
3.01% |
3.05% |
|
3.20% 3.25% |
| 6 mos |
$1,000.00 |
2.71% |
2.75% |
|
APY with |
| 12 mos |
$1,000.00 |
3.01% |
3.05% |
|
VIP Checking |
| 18 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 24 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 30 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 36 mos |
$1,000.00 |
3.20% |
3.25% |
|
|
| 48 mos |
$1,000.00 |
3.44% |
3.50% |
|
|
| 60 mos |
$1,000.00 |
3.68% |
3.75% |
|
|
| |
|
|
|
|
|
| 36 Month
Access
IRA CD |
$1,000.00 |
3.73% |
3.80% |
** |
|
| Rates are subject to change without notice. Substantial penalty for early CD withdrawal may apply. |
| Fees on Money Market, VIP Interest Checking, and Savings Accounts could reduce yields. |
| ** Open an Access Cd for a term of 36 months and get access to your money after 18 months without a penalty. |
| * Annual Percentage Yield (APY) is available to Personal Accounts only and when linked to a ESB Personal Checking Account. |
| Annual Percentage Yield (APY) is based on the rate on 7/5/2008 |
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