DEPOSIT ACCOUNT RATES
Interest Rates & Annual Percentage Yield's (APY's) are current as of
September 18, 2014

FSBND CD SPECIALS
FSBND Certificate of Deposit Specials
Description

Minimum
 Opening
 Deposit

Interest
Rate
Annual
Percentage
Yield
There are currently no CD Specials available      
* a penalty may be imposed for early withdrawal
****Rate is fixed until the first maturity date, at which time the 9 month special will renew at the then current 6 month certificate rate.

CERTIFICATES OF DEPOSIT
Call an employee for more information on fees, rates & terms
Description

Minimum
Opening
Deposit

Interest
Rate
Annual
Percentage
Yield
60 Month Certificate of Deposit* $1,000.00 1.39% 1.39%
48 Month Certificate of Deposit* $1,000.00 1.14% 1.14%
36 Month Certificate of Deposit* $1,000.00 0.87% 0.87%
24 Month Certificate of Deposit* $1,000.00 0.57% 0.57%
(The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs)
12 Month Certificate of Deposit * $1,000.00 0.34% 0.34%
6 Month Certificate of Deposit * $1,000.00 0.19% 0.19%
3 Month Certificate of Deposit * $1,000.00 0.12% 0.12%
* A penalty may be imposed for early withdrawal.

SAVINGS ACCOUNT
Description

Minimum
Opening
Deposit

Interest
Rate
Annual
Percentage
Yield
Regular Savings**
You must maintain a minimum average daily balance of $25.00
to obtain the disclosed annual percentage yield.
$25.00 0.10% 0.10%
IRA Savings**
$25.00 0.57% 0.57%
** The interest rate and annual percentage yield may change after account opening.  Fees may reduce earnings on the account(s).

N.O.W. ACCOUNTS

Description

Minimum
Opening
Deposit

Interest
Rate
Annual
Percentage
Yield
Average Daily Balance:
up to $9,999.99***

$500.00

0.05%

0.05%
$10,000.00 to $24,999.99*** $500.00 0.08% 0.08%
$25,000.00 and up*** $500.00 0.13% 0.13%
*** The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).

MONEY MARKET ACCOUNTS
Description

Minimum
Opening
Deposit

Interest
Rate
Annual
Percentage
Yield
Average Daily Balance:
up to $9,999.99***

$2,500.00

0.05%

0.05%
$10,000.00 to $24,999.99*** $2,500.00 0.08% 0.08%
$25,000.00 to $99,999.99*** $2,500.00 0.16% 0.16%

$100,000.00 to $249,999.99***

$2,500.00

0.26%

0.26%

$250,000.00 and up*** $2,500.00 0.36% 0.36%

*** The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).


 
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