Rates effective as of 12/31/08
Deposit Rates
Type    APY
1 Month CD - $500.00 Minimum To Open & Obtain APY    .25%
3 Month CD - $500.00 Minimum To Open & Obtain APY    1.30%
6 Month CD - $500.00 Minimum To Open & Obtain APY    1.70%
9 Month CD - $500.00 Minimum To Open & Obtain APY    2.05%
1 Year CD - $500.00 Minimum To Open & Obtain APY    1.95%
13 Month CD - $500.00 Minimum To Open & Obtain APY    2.05%
18 Month CD - $500.00 Minimum To Open & Obtain APY    2.05%
24 Month CD - $500.00 Minimum To Open & Obtain APY    2.15%
3 Year CD - $500.00 Minimum To Open & Obtain APY    2.20%
4 Year CD - $500.00 Minimum To Open & Obtain APY    3.00%
Community Interest Checking $1,000.00 to $4,999.99    .15%
Community Interest Checking $5,000.00 to 9,999.99    .30%
Community Interest Checking $10,000.00 & Greater    .50%
Community Money Market $2,500.00 to $9,999.99    .30%
Community Money Market $10,000.00 to $24,999.99    .50%
Community Money Market $25,000.00 To 249,999.99    .70%
Community Money Market $250,000.00 & Greater    1.10%
Community Regular Savings    .35%
Community Super Savings    .43%
Six Month IRA - $500.00 Minimum To Open & Obtain APY    1.70%
Twelve Month IRA - $500.00 Minimum To Open & Obtain APY    1.95%
Eighteen Month IRA - $500.00 Minimum To Open & Obtain APY    2.05%
Twenty-Four Month IRA - $500.00 Minimum To Open & Obtain APY    2.15%
Thirty-Six Month IRA - $500.00 Minimum To Open & Obtain APY    2.20%
Forty-Eight Month IRA - $500.00 Minimum To Open & Obtain APY    3.00%
Community Investor's Choice $25,000.00 to $49,999.99    0.15%
Community Investor's Choice $50,000.00 to $99,999.99    0.19%
Community Investor's Choice $100,000.00 & Greater    0.21%
 
RATES NOTICE NOTE: "APY" represents "Annual Percentage Yield" Certificates of Deposit and IRA Certificates of Deposit: Rate Information: The interest rate on your CD at time of opening will be paid until the first maturity. Compounding Frequency: Unless other wise paid, interest will be compounded at maturity on one month, three month and six month CD's and IRA's. Unless other wise paid, interest will be compounded annually on thirteen month CD'S. Unless other wise paid, interest will be compounded quarterly on Eighteen month CD's and IRA's and semi-annualy on twenty-four month, thirty-six month and forty-eight month CD's and IRA's. Crediting Frequency: Interest will be credited to your account at maturity on one month, three month, six month and twelve month CD's and IRA's. Interest will be credited to your account annually on thirteen month CD'S. Interest will be credited to your account quarterly on eighteen month and semi-annually on twenty-four month, Thirty-six month and forty-eight month CD's and IRA's. Alternatively, you may choose to have interest paid to you or to another Community Bank account rather than credited to your CD account. Daily Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest. Accrual of Interest on Noncash Deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks). Withdrawal of Interest Prior to Maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum Balance to Open the Account: Each CD and IRA product requires a $500.00 minimum opening deposit.
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