Rates
Rates effective as of April 1, 2013.
CDs & IRAs
| Accounts 1 | APR* | APY** | Minimum Amount to Open | |
|---|---|---|---|---|
| Current CD / IRA Specials | CDs | IRAs | ||
| 12 Month | 0.35%2 | 0.35%2 | $5,000.00 | $2,500.00 |
| 17 Month | 0.40%2 | 0.40%2 | $5,000.00 | $2,500.00 |
| 24 Month | 0.60%2 | 0.60%2 | $5,000.00 | $2,500.00 |
| 36 Month | 0.65%2 | 0.65%2 | $5,000.00 | $2,500.00 |
| 60 Month One Bump | 1.24% | 1.25% | $5,000.00 | $2,500.00 |
| CDs / IRAs | CDs | IRAs | ||
| 182 Day | 0.10% | 0.10% | $2,500.00 | $1,000.00 |
| 12 Month | 0.20% | 0.20% | 2,500.00 | $1,000.00 |
| 17 Month | 0.25% | 0.25% | 2,500.00 | $1,000.00 |
| 24 Month | 0.45% | 0.45% | 2,500.00 | $1,000.00 |
| 36 Month | 0.50% | 0.50% | 2,500.00 | $1,000.00 |
| 60 Month | 1.09% | 1.10% | 2,500.00 | $1,000.00 |
1. May be subject to early withdrawal penalty.
2. APY available only with an active Community Bank checking account and CD/IRA interest is paid into that checking account or added onto the CD/IRA. If no checking account is open, the APY will be reduced by 0.15%.
Bump CDs & IRAs1
| Terms 2 | APR* | APY** |
|---|---|---|
| 37 Month3 | 0.65% | 0.65%4 |
| 72 Month4 | 1.74% | 1.76%4 |
1. Available for existing bump account customers only.
2. May be subject to early withdrawal penalty.
3. Rate can be adjusted once during term.
4. Rate can be adjusted twice during term.
Checking
| Product | Balance | APR* | APY** |
|---|---|---|---|
| Reward Checking† | $0 - $9,999 | 2.97% | 3.01% |
| $10,000 & Greater | 0.25% | 0.25% | |
| If qualifications not met. | 0.10% | 0.10% | |
| Real Giving† † | $0 - $9,999 | 2.97% | 3.01% |
| $10,000 & Greater | 0.25% | 0.25% | |
| If qualifications not met. | 0.10% | 0.10% | |
| NOW Checking | 0.05% | 0.05% | |
| Super NOW Checking | $2,500 & Greater | 0.05% | 0.05% |
| $1,000 - $2,499 | 0.05% | 0.05% | |
| $0 - $999 | n/a | n/a | |
| Select Checking | $100,000 & Greater | 0.10% | 0.10% |
| $75,000 - $99,999 | 0.10% | 0.10% | |
| $25,000 - $74,999 | 0.10% | 0.10% | |
| $5,000 - $24,999 | 0.05% | 0.05% | |
| $0 - $4,999 | n/a | n/a | |
Savings
| Product | Balance | APR* | APY** |
|---|---|---|---|
| Real Saver† † † | $0 - $9,999 | 0.51% | 0.51% |
| $10,000 & Greater | 0.25% | 0.25% | |
| If qualifications not met. | 0.10% | 0.10% | |
| Passbook Savings | 0.05% | 0.05% | |
| Statement Savings | 0.10% | 0.10% | |
| Community Market | $100,000 & Greater | 0.15% | 0.15% |
| $75,000 - $99,999 | 0.10% | 0.10% | |
| $25,000 - $74,999 | 0.10% | 0.10% | |
| $5,000 - $24,999 | 0.05% | 0.05% | |
| $0 - $4,999 | n/a | n/a | |
| Christmas Club | 0.10% | 0.10% |
All rates are subject to change without notice.
* APR is the Annual Percentage Rate
** APY is Annual Percentage Yield. APY assumes deposit remains for at least one year.
† Minimum to open account is $100. Annual Percentage Yield (APY accurate as of 6/13/11). Rate tiers are as follows: 3.01% APY applies to balances of $0.01 - $10,000 and 0.25% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 3.01% APY – 0.25% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements up to $25 per cycle provided only if qualifications are met within the monthly qualification cycle.
The APY assumes that Reward Checking interest is not compounded when linked to Real Saver, because the interest is automatically transferred to the Real Saver account at the end of the monthly qualification cycle. The interest from the Reward Checking account transfers to the Real Saver account, whether the qualifications are met or not.
†† *Minimum to open Real Giving account is $100. Annual Percentage Yield (APY) accurate as of 11/01/11. Rates may change after the account is opened. Fees may reduce earnings. Rate tiers are as follows: 3.01% APY applies to balances of $.01 - $10,000 and 0.25% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 3.01% APY - 0.25% APY if monthly qualifications are met. Charitable contributions made on all debit card purchases over $10 posted and cleared during the monthly qualification cycle. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra‑bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25 provided only if qualifications are met during the monthly qualification cycle. Available on personal accounts only, one per client.
††† Minimum to open Real Saver account is $100. Annual Percentage Yield (APY) accurate as of 6/13/11. Real Saver rate tiers are as follows: 0.51% APY applies to balances of $0.01 to $10,000 and 0.25% APY applies to balances over $10,000 if qualifications are met each monthly qualification cycle on Reward Checking account. 0.10% APY applies to all balances if qualifications are not met on Reward Checking. All balances will earn 0.51% APY – 0.25% APY if qualifications are met on Reward Checking. Rates may change after the account is opened. Fees may reduce earnings. Reward Checking qualifying transactions must post and clear the Reward Checking account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.
