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RATES
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Rates are effective: 08/25/2008
Regular Savings and NOW
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| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| *Regular Savings |
$100 |
1.50% |
1.51% |
Daily |
| *Regular NOW |
$100 |
1.00% |
1.01% |
Daily |
| ***Business NOW |
$300 |
1.00% |
1.01% |
Daily |
**Super NOW
|
| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| $1,000-$9,999.99 |
$1,000 |
1.05% |
1.06% |
Monthly |
| $10,000-$24,999.99 |
$10,000 |
1.55% |
1.56% |
Monthly |
| $25,000-$49,999.99 |
$25,000 |
1.65% |
1.66% |
Monthly |
| $50,000-$99,999.99 |
$50,000 |
1.70% |
1.71% |
Monthly |
| $100,000-$249,999.99 |
$100,000 |
1.80% |
1.81% |
Monthly |
| $250,000 - $499,999.99 |
$250,000 |
1.90% |
1.92% |
Monthly |
| $500,000 - $999,999.99 |
$500,000 |
2.15% |
2.17% |
Monthly |
| $1,000,000 or More |
$1,000,000 |
2.30% |
2.32% |
Monthly |
**Money Market
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| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| $1,000-$4,999.99 |
$1,000 |
1.15% |
1.16% |
Monthly |
| $5,000-$9,999.99 |
$5,000 |
1.65% |
1.66% |
Monthly |
| $10,000-$24,999.99 |
$10,000 |
1.65% |
1.66% |
Monthly |
| $25,000-$49,999.99 |
$25,000 |
1.75% |
1.76% |
Monthly |
| $50,000-$99,999.99 |
$50,000 |
1.80% |
1.81% |
Monthly |
| $100,000-$249,999.99 |
$100,000 |
1.90% |
1.92% |
Monthly |
| $250,000 - $499,999.99 |
$250,000 |
2.00% |
2.02% |
Monthly |
| $500,000 - $999,999.99 |
$500,000 |
2.25% |
2.27% |
Monthly |
| $1,000,000 or More |
$1,000,000 |
2.50% |
2.53% |
Monthly |
Certificates of Deposit
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| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| 90 Day |
$1,000 |
2.00% |
2.02% |
Quarterly |
| 6 Month (182 day) |
$1,000 |
2.23% |
2.25% |
Quarterly |
| One Year |
$1,000 |
2.48% |
2.50% |
Quarterly |
| 18 month |
$1,000 |
2.53% |
2.55% |
Quarterly |
| Two Year |
$1,000 |
2.58% |
2.61% |
Quarterly |
| 30 Month |
$1,000 |
2.63% |
2.66% |
Quarterly |
| Three Year |
$1,000 |
2.98% |
3.01% |
Quarterly |
| Five Year |
$1,000 |
3.40% |
3.44% |
Quarterly |
Jumbo Certificates of Deposit
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| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| 30 Day |
$100,000 |
2.00% |
2.02% |
At Maturity |
| 60 Day |
$100,000 |
2.00% |
2.02% |
At Maturity |
| 90 Day |
$100,000 |
2.10% |
2.12% |
Quarterly |
| 182 Day |
$100,000 |
2.33% |
2.35% |
Quarterly |
| One Year |
$100,000 |
2.58% |
2.61% |
Quarterly |
IRA Accounts
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| Type of Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Frequency of Compounding |
| One Year CD |
$1,000 |
2.48% |
2.50% |
Quarterly |
| 18 Month CD |
$1,000 |
2.53% |
2.55% |
Quarterly |
| Two Year CD |
$1,000 |
2.58% |
2.61% |
Quarterly |
| Three Year CD |
$1,000 |
2.98% |
3.01% |
Quarterly |
| 18 Month Variable |
$500 |
1.87% |
1.88% |
Quarterly |
*No interest paid on balances below $100 |
| **No interest paid on balances below $1,000 |
| ***No interest paid on balances below $300 |
| All new accounts opened after 4:00 PM MST will be posted the following business day |
| All interest rates are subject to change at any time without notice |
| Fees could reduce the earnings on an account |
| A substantial penalty will be assessed for early withdrawal on all time deposit accounts |
| Please contact a Customer Service Representative for information about the terms and conditions of accounts |
| Please contact a bank representative for information concerning the terms and conditions |
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