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Transaction Account Rates Effective as of July 26, 2010 |
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Type and Tier
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Minimum to Open
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Rate*
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APY**
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NOW Account
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$500.00
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0.20%
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0.20%
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Public NOW
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--- $0 - $4,999.99
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$500.00
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0.20%
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0.20%
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--- $5,000.00 - $24,999.99
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$500.00
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0.30%
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0.30%
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--- $25,000.00 or more
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$500.00
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0.40%
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0.40%
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Advantage Checking
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$2,500.00
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0.30%
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0.30%
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* Rate = Interest Rate ** APY = Annual Percentage Yield; NOW and Advantage accounts are compounded monthly. Fees may reduce earnings. Rates and fees are subject to change at the bank's discretion and may change after the account has been opened. |
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Savings Account Rates Effective as of July 26, 2010 |
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Type and Tier
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Minimum to Open
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Rate*
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APY**
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Statement Savings¹
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$100.00
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0.25%
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0.25%
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Christmas Club
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$5.00
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1.00%
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1.00%
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--- w/Recurring Transfer
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$5.00
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1.25%
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1.25%
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Vacation Club
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$5.00
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0.75%
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0.75%
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--- w/Recurring Transfer
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$5.00
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1.00%
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1.00%
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Advantage Investment
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--- Tier 1: $50,000.00 or more
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$2,500.00
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0.20%
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0.20%
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--- Tier 2: $10,000.00 - $49,999.99
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$2,500.00
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0.40%
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0.40%
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--- Tier 3: $0 - $9,999.99
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$2,500.00
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0.60%
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0.60%
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Freedom Savings
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$0
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0.35%
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0.35%
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Freedom Money Mkt
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--- Tier 1: $0 - $19,999.00
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$2500
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0.35%
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0.35%
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--- Tier 2:$20,000 & over
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$2500
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0.75%
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0.75%
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* Rate = Interest Rate ** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit. ¹ No minimum balance is required on Young Americans below the age of 23. Fees may reduce earnings. Rates are subject to change at the bank's discretion and may change after the account has been opened. |
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Certificates of Deposit Rates Effective as of July 26, 2010 |
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Term
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Minimum to Open
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Rate*
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APY**
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3 Month¹
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$1,000.00
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0.50%
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0.50%
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6 Month¹
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$1,000.00
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0.75%
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0.75%
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9 Month'
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$1,000.00
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0.85%
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0.85%
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12 Month
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$1,000.00
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1.00%
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1.00%
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15 Month¹
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$1,000.00
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1.10%
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1.10%
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18 Month¹
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$1,000.00
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1.24%
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1.25%
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24 Month¹
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$1,000.00
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1.49%
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1.50%
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30 Month¹
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$1,000.00
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1.74%
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1.75%
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36 Month
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$1,000.00
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1.98%
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2.00%
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48 Month
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$1,000.00
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2.23%
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2.25%
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60 Month
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$1,000.00
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2.48%
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2.50%
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* Rate = Interest Rate ** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit. ¹ Hometown Club members receive a 0.05% bonus to the Interest Rate and APY listed above. Penalty for early withdrawal. Rates are subject to change at the bank's discretion. |
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Individual Retirement Account Rates Effective as of July 26, 2010 |
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Type
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Minimum to Open
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Rate*
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APY**
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Traditional IRA fixed
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$500.00
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1.29%
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1.30%
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Traditional IRA variable
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$500.00
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1.54%
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1.55%
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Roth IRA fixed
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$500.00
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1.29%
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1.30%
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Roth IRA variable
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$500.00
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1.54%
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1.55%
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Educational IRA fixed
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$500.00
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1.29%
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1.30%
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Educational IRA variable
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$500.00
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1.54%
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1.55%
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* Rate = Interest Rate ** APY = Annual Percentage Yield Penalty for early withdrawal. Rates are subject to change at the bank's discretion. |
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The First National Bank of Ogden • 102 S. East Avenue • P. O. Box 47 • Ogden, IL 61859 • Ph: 217.582.2175 • Fax: 217.582.2176 |
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St. Joseph First • 220 E. Grand • P. O. Box 198 • St. Joseph, IL 61873 • Ph: 217.469.8866 • Fax: 217.469.8917 |
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Royal Bank • 102 N. Park • P. O. Box 10 • Royal, IL 61871 • Ph: 217.583.3101 • Fax: 217.583.3102 |
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