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Deposit Account Interest Rates
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Rates Effective as of September 1, 2008
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CD Specials
13-17 Month CD $500 min. bal. 3.22% Rate 3.25% APY
50 Month CD $500 min. bal. 3.95% Rate 4.00% APY
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Savings Accounts
Fees could reduce earnings on this account.
Savings accounts are variable rate accounts.
Rates may change at any time without prior notice.
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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Passbook/Statement Savings
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$ 200.00
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1.10%
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1.10%
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Christmas Club
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$ 100.00
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0.50%
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0.50%
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Money Market
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$ 2,500.00
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1.74%
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1.75%
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Money Market
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$ 1,000.00
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0.50%
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0.50%
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Gold Money Market
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$ 50,000.00
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2.72%
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2.75%
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Gold Money Market
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$ 25,000.00
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2.09%
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2.10%
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Gold Money Market
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$ 2,500.00
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1.74%
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1.75%
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Checking Accounts
Fees could reduce earnings on this account.
Interest bearing checking accounts are variable rate accounts.
Rates may change at any time without prior notice
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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Basic Checking
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This is a non-interest bearing account.
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NOW Account
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$ 1,000.00
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0.50%
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0.50%
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SUPER NOW Account
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$ 2,500.00
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0.75%
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0.75%
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SUPER NOW Account
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$ 1,000.00
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0.50%
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0.50%
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Business Checking
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This is a non-interest bearing account.
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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3 - 5 Months
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$ 500.00
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1.89%
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1.90%
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6 - 11 Months
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$ 500.00
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2.48%
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2.50%
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12 Months
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$ 500.00
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2.48%
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2.50%
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13 - 17 Months
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$ 500.00
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3.22%
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3.25%
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18 - 23 Months
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$ 500.00
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3.22%
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3.25%
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24 - 29 Months
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$ 500.00
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3.46%
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3.50%
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30 - 35 Months
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$ 500.00
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3.46%
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3.50%
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36 - 47 Months
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$ 500.00
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3.46%
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3.50%
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48 - 59 Months
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$ 500.00
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3.46%
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3.50%
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60 Months
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$ 500.00
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3.95%
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4.00%
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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10 Months
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$ 500.00
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2.39%
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2.40%
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18 Months
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$ 500.00
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3.12%
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3.15%
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24 Months
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$ 10,000.00
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3.37%
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3.40%
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40 Months
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$ 500.00
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3.37%
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3.40%
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60 Months
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$ 500.00
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3.56%
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3.60%
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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12 Months
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$ 200.00
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2.23%
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2.23%
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Account Type
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Minimum to Earn Interest
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Interest Rate
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*Annual Percentage Yield
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18 Months
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$ 25.00
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1.96%
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1.97%
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* Based upon funds being deposited for one year at this rate.
We will accept deposits from residents of the Eastern Shore of Maryland, Virginia and lower Delaware. Please visit one of our eight offices to open an account.
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