Savings Rates

We keep our rates posted online as a convenience to our customers when making financial decisions.  Feel free to use our financial calculators to help you weigh your options, and you can apply online for accounts and credit. Realize rates are subject to change, so when in doubt, please contact us.

| Checking Rates | Savings Rates | Money Market & Health Savings Account Rates |
| Investor Account Rates | IRA Rates | CD Rates |

Rates current as of  2/1/08
The interest rates and tiered annual percentage yields listed below are variable and subject to change weekly at our discretion. Fees may reduce earnings. Please contact the bank with questions.

 
PANDA
PALS
LIFELINE SAVINGS
STATEMENT SAVINGS
Current Interest Rate
0.66 0.66 0.86
Annual Percentage Yield (APY)
0.66 0.66 0.86
Minimum Balance to Obtain APY
$1.00 $50.00 $50.00
Fixed or Variable Rate
Variable Variable Variable
Interest Compounding Frequency
Quarterly Quarterly Quarterly
Interest Crediting
Quarterly Quarterly Quarterly
Interest Rate Changes
Weekly Weekly Weekly
Statement Cycles
Quarterly Quarterly Quarterly
Minimum Deposit to Open Account
$1.00 $25.00 $25.00
Minimum Balance to Avoid Monthly Service Fees
N/A $50.00 $200.00
Monthly Flat Service Fee*
$0.00 $2.00 $2.00
Debit Item Fee**
$0.00 $0.50 $0.50
* Service Fee only applies if account falls below daily minimum balance
** Debit Item Fee only applies if account falls below daily minimum balance, and debit item exceeds six per month