Rates

Rates effective as of January 13, 2014. APY=Annual Percentage Yield.

Account Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate APY
CD 91 Days to 181 Days (if renewed)¹
Daily Balances of $500-49,999.99 $500 $500³ 0.10% 0.10%
Daily Balances of $50,000+ $500 $500³ 0.20% 0.20%
CD 182 Days to 364 Days (if renewed) ¹
Daily Balances of $500-49,999.99 $500 $500³ 0.15% 0.15%
Daily Balances of $50,000 and up $500 $500³ 0.25% 0.25%
Certificate of Deposit 12 Months+, Quarterly¹
Daily Balances of $500-49,999.99 $500 $500³ 0.25% 0.25%
Daily Balances of $50,000+ $500 $500³ 0.35% 0.35%
24 Month - One Better CD - Quarterly¹ ² $500 $500³ 0.65% 0.65%
36 Month - One Better CD - Quarterly¹ ² $500 $500³ 0.70% 0.70%
First Investment - Semi-Annual 1 Year Term - Rate Equal to 3 Month T-Bill Bond¹ ² $5,000 $5,000³ 0.05% 0.05%
Individual Retirement Account, Semi-Annual/Maturity¹ ² $20 $20³ 0.45% 0.45%
Dream Checking²
Portion of Your Daily Balance up to $35,000 $100 1.50% 1.51%
Daily Balances of $35,000.01 and up $100 0.31% 1.51-0.62%
Windmill Premier/First Interest² $1,000 $1,000³ 0.05% 0.05%
First Gold Account²
Daily Balances of $2,500.00-24,999.99 $2,500 $2,500³ 0.05% 0.05%
Daily Balances of $25,000-999,999,999.00 $2,500 $2,500³ 0.25% 0.25%
First Outstanding Student Savings Account²
Daily Balances up to $24,999.99 $5.00 $5.00³ 0.05% 0.05%
Daily Balances of $25,000-49,999.99 $5.00 $5.00³ 0.05% 0.05%
Daily Balances of $50,000-74,999.99 $5.00 $5.00³ 0.05% 0.05%
Daily Balances of $75,000-99,999.99 $5.00 $5.00³ 0.05% 0.05%
Daily Balances of $100,000+ $5.00 $5.00³ 0.05% 0.05%
First Savings²
Daily Balances up to $24,999.99 $100.00 $100.00³ 0.05% 0.05%
Daily Balances of $25,000-49,999.99 $100.00 $100.00³ 0.05% 0.05%
Daily Balances of $50,000-74,999.99 $100.00 $100.00³ 0.05% 0.05%
Daily Balances of $75,000-99,999.99 $100.00 $100.00³ 0.05% 0.05%
Daily Balances of $100,000 and up $100.00 $100.00³ 0.05% 0.05%

¹ A penalty will be imposed for early withdrawal.

² The interest rate and annual percentage yield may change after account opening. To earn your rewards, do the following activities and transactions in your Dream Checking account each monthly qualification cycle: Have at least 10 debit card purchases post and settle, Have at least one automatic payment (ACH) or direct deposit post and settle, and Be enrolled and receive E-Statement notice.

³ Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.

For current rate information call (620) 384-7441.