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Interest rates are at the discretion of FSSB and are subject to change
at any time. The following rates are effective as of
12/30/2008.
Certificates of Deposit
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| CD Minimum Deposit |
Term |
APY* |
Interest
rate |
| |
$1,000 |
3 months |
1.50% |
1.49% |
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$1,000 |
6 months |
2.00% |
1.99% |
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$1,000 |
12 months |
2.25% |
2.23% |
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$1,000 |
24 months |
2.30% |
2.28% |
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$1,000 |
30 months |
2.40% |
2.38% |
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$1,000 |
36 months |
2.50% |
2.48% |
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$1,000 |
48 months |
2.60% |
2.58% |
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$1,000 |
60 months |
3.25% |
3.21% |
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| CD SPECIALS |
Term |
APY* |
Interest
rate |
| |
$5,000 |
8 months |
2.40% |
2.38% |
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$5,000 |
18 months |
2.75% |
2.72% |
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$5,000 |
28 months |
3.55% |
3.50% |
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| JUMBO CD`S |
Term |
APY* |
Interest
rate |
| |
$100,000 |
8 months |
2.40% |
2.38% |
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$100,000 |
18 months |
2.75% |
2.72% |
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$100,000 |
28 months |
3.55% |
3.50% |
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*APY - Annual Percentage Yield (The annual percentage yield assumes that interest remains on deposit until maturity and that a withdrawal will reduce earnings. Early withdrawal penalty may apply)
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Money Market Accounts
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| Money Market Accounts*** ($1,000 minimum to open)1 |
APY* |
Interest
rate |
| |
$0-999 |
|
0.00% |
0.00% |
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$1,000-24,999 |
|
.84% |
.84% |
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$25,000-99,999 |
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.99% |
.99% |
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$100,000+ |
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1.79% |
1.78% |
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| Platinum Money Market Accounts***($5,000 minimum to open)1 |
APY* |
Interest
rate |
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$0-4,999 |
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0.00% |
0.00% |
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$5,000-14,999 |
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1.07% |
1.06% |
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$15,000-49,999 |
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1.32% |
1.31% |
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$50,000-99,999 |
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1.62% |
1.61% |
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$100,000-250,000**** |
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1.94% |
1.92% |
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**APY - Annual Percentage Yield ***Fees may reduce earnings. ****Maximum amount allowed per depositor is $250,000. 1 Variable rates subject to change after account opening
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Other Savings Accounts
|
| Other Savings Accounts*** |
APY* |
Interest
rate |
| |
$25 |
Savings Account |
0.25% |
0.25% |
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$25 |
Christmas Club |
0.25% |
0.25% |
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$1,000 |
Checking w/Interest |
0.10% |
0.10% |
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**APY - Annual Percentage Yield
***Fees may reduce earnings. |
IRAs
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| IRAs |
Term |
APY* |
Interest
rate |
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$100 |
Variable Savings |
2.00% |
1.99% |
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$500 |
6 month CD |
2.00% |
1.99% |
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$500 |
12 month CD |
2.25% |
2.23% |
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$500 |
24 month CD |
2.30% |
2.28% |
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$500 |
30 month CD |
2.40% |
2.38% |
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$500 |
36 month CD |
2.50% |
2.48% |
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*APY - Annual Percentage Yield (The annual percentage yield assumes that interest remains on deposit until maturity and that a withdrawal will reduce earnings. Early withdrawal penalty may apply)
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