Rates
As of
December
9, 2005 (unless indicated otherwise below)
Deposit Interest Rates
Your interest rate and annual percentage
yield may change at our discretion. We may change the interest rate on
your account.
| Account Type |
Minimum to Open
|
Rate
(%) |
Monthly APY
(%) |
Quarterly APY (%) |
|
NOW* |
$1,000 |
.50 |
.50 |
- |
|
Money Market* |
$1,000 |
|
|
|
|
$0 - $999 |
- |
.00 |
.00 |
- |
|
$1,000 - $4,999 |
- |
.75 |
.75 |
- |
|
$5,000 - $24,999 |
- |
.80 |
.80 |
- |
|
$25,000 - $49,999 |
- |
.80 |
.80 |
- |
|
$50,000 - $99,999 |
- |
.80 |
.80 |
- |
|
$100,000 and above |
- |
.80 |
.80 |
- |
Senior Account* *
(as of July 20, 2005) |
$100 |
|
|
|
|
$0 - $499 |
- |
.00 |
.00 |
- |
|
$500 - $4,999 |
- |
1.00 |
1.00 |
- |
|
$5,000 - $19,999 |
- |
1.51 |
1.51 |
- |
|
$20,000 and above |
- |
1.75 |
1.76 |
- |
|
Passbook Savings* |
$50 |
.55% |
.55% |
.55% |
|
$0 - $499 |
- |
.00 |
.00 |
- |
|
$0 - $499 |
- |
.00 |
.00 |
- |
|
IRA Savings |
- |
2.30 |
- |
2.32 |
| Christmas
Club Savings |
$5 |
.50% |
.50% |
.50% |
| *Your interest rate and annual percentage yield may
change at our discretion. We may change the interest rate on your
account. **Effort of closing account: If you close your account
before interest is credited, you will not receive the accrued
interest.
**Minimum balance to avoid imposition of fee: A cycle service charge
of $5.00 will be imposed every month if the balance in
the account falls below $100.00 any day of the month.
**Minimum balance to obtain the annual percentage yield disclosed: You
must maintain a minimum daily collected balance of
$500.00 in the account to obtain the disclosed annual percentage
yield. |
Certificates of Deposit Rates
Your interest rate and annual percentage
yield may change at our discretion. We may change the interest rate on
your account.
| Account Type |
Minimum to Open |
Rate
(%) |
Monthly APY
(%) |
Quarterly APY (%) |
Semi Annual APY (%) |
Annual APY (%) |
|
3 Month*** |
$1,000 |
.50 |
.50 |
|
|
|
|
6 Month*** |
$1,000 |
|
|
|
|
|
|
12 Month*** |
|
|
|
|
|
|
|
18 Month*** |
$100 |
.55% |
.55% |
.55% |
.55% |
.55% |
|
30 Month*** |
$5 |
.55% |
.55% |
.55% |
.55% |
.55% |
|
60 Month*** |
$5 |
.50% |
.50% |
.50% |
.50% |
.50% |
|
13 Month+ |
$500 |
3.00% |
3.05% |
3.05% |
3.05% |
3.05% |
|
25 Month+ |
$500 |
3.75% |
3.82% |
3.82% |
3.82% |
3.82% |
|
46 Month+ |
$500 |
3.90% |
3.97% |
3.97% |
3.97% |
3.97% |
+Non-Renewable
***Early Withdrawal Policy:
- Certificate of Deposit with original maturity of 1year or less:
A penalty of three months interest on the amount withdrawn at the
rate being paid upon deposit.
- Certificate of Deposit with original maturity of more than one
year: A penalty of six months interest on the amount withdrawn at
the rate being paid upon deposit.
|
A penalty may be imposed for early withdrawal of Certificates
of Deposit. Interest bearing checking and money market accounts earn
interest on collected balances and your interest rate and annual percentage
yield may change at The 1st Presidio Bank's discretion. Fees could reduce
earnings on checking and money market accounts.
DEPOSITS
FDIC INSURED
|
