Certificate of Deposit Rates
Interests offered as of
August 26, 2010
Rates are subject to change without notice.
TERM
|
INTEREST RATE
|
A.P.Y.
(Annual Percentage Yield)
|
MINIMUM DEPOSIT
|
|
3 month
|
0.129%
|
0.13% |
$1,500.00 |
|
6 month
|
0.459% |
0.46% |
$1,500.00 |
|
12 month
|
0.889% |
0.89% |
$1,500.00 |
|
18 month |
1.169% |
1.17% |
$1,500.00 |
|
24 month
|
1.289% |
1.29% |
$1,500.00 |
|
30 month |
1.569% |
1.58% |
$1,500.00 |
|
36 month
|
2.039% |
2.05% |
$1,500.00 |
|
48 month
|
2.249% |
2.26% |
$1,500.00 |
|
60 month
|
2.579% |
2.60% |
$1,500.00 |
Saver
Certificates
TERM
|
INTEREST RATE
|
A.P.Y.
(Annual Percentage Yield)
|
MINIMUM DEPOSIT
|
| 6 month |
0.459% |
0.46% |
$1,500.00 |
| 12 month |
0.899% |
0.89% |
$1,500.00 |
Early
Withdrawal Penalties
A
penalty may be imposed for withdrawals before maturity.
The penalty we may impose will equal three (3) months
interest on the amount withdrawn on Certificated of Deposits with a
term of 0-12 months.
For Certificated of Deposits with a term over 12 months, the penalty
we may impose will equal six (6) months interest on the amount
withdrawn.
There are certain circumstances, such as the death or incompetence
of an owner, where we may waive or reduce this penalty, but only up
to the first maturity date after the owner’s death or date
incompetence is declared.
●
Account fees may reduce earnings.
Checking/Savings Accounts
Interests offered as of August 26, 2010. Rates are subject to change without notice.
ACCOUNT
|
BALANCE
|
APY
(ANNUAL PERCENTAGE YIELD)
|
INTEREST RATE
|
Interest Checking
|
$1,000 and over
Minimum
balance to open $1,000.00
|
0.50%
|
0.50%
|
Money Fund
Minimum
balance to open $2,500.00
|
$250,000.00 and over
$100,000.00 - $249,999.99
$ 50,000.00 - $ 99,999.99
$ 25,000.00 - $ 49,999.99
$ 10,000.00 - $ 24,999.99
$ 1,000.00 - $
9,999.99
|
2.00%
1.00%
0.60%
0.50%
0.40%
0.25% |
2.00%
1.00%
0.60%
0.50%
0.40%
0.25% |
Regular Savings
|
$50.00 and over
Minimum
balance to open $50.00
|
0.25%
|
0.25% |
Consumer Loans
Please contact a Peoples Trust and Savings Bank loan officer for
interest rates on any of the following: boats, RV’s, campers,
motorcycles, snowmobiles, ATV’s, or any type of personal loan.
In the allocation of resources available for loans, primary
consideration shall be given to existing or potential customers with
the economic interest in Peoples Trust & Savings Bank primary trade
area. In general, the
primary trade area of this bank shall be all of Washington and
Johnson County, Iowa.
Rates may vary due to subject property, loan characteristics, credit
qualifications and other factors.
All loan applicants must be eighteen (18) years of age.
All loans are subject to credit approval.
|
