Interest Rates

Interest Rates

Savings & Checking Rates 

Effective Date: May 4th, 2012.

Rates are Subject to Change Without Notice

Savings & Checking	Rate	APY **
Crown Checking	.05	.05
AllAccess Checking	.05	.05

First Savings	Interest Rate	APY **
(daily balance of less than $25,000)	.05	.05
(daily balance of $25,000 - $99,999)	.10	.10
(daily balance of $100,000 or more)	.25	.25

First Business Savings	Interest Rate	APY **
(daily balance of less than $25,000)	.05	.05
(daily balance of $25,000 - $99,999)	.10	.10
(daily balance of $100,000 or more)	.25	.25

First Tiered Money Market	Interest Rate	APY **
(daily balance of  $1.00 - $2,499)	.05	.05
(daily balance of $2,500 - $24,999)	.10	.10
(daily balance of $25,000 or more)	.25	.25

First Business Money Market	Interest Rate	APY **
(daily balance of $1.00 - $2,499)	.05	.05
(daily balance of $2,,500 - $24,999)	.10	.10
(daily balance of $25,000 or more)	.25	.25

Crown Checking Account: The interest rate and annual percentage yield may change after account opening. You must be 60 or older to open this account at the time of account opening. A $1.00 monthly ATM or VISA check card applies to this account. If the minimum daily balance falls below $1,000.00 at any time during the statement period or you are not enrolled in direct deposit, $15.00 monthly service charge will apply. If you have enrolled in our draw account service, a $10.00 per transfer draw account fee will be applied to your account. The minimum balance required to obtain the APY is $1.00. The minimum deposit to open the account is $50.00. Fees could reduce earnings on the account.

AllAccess Checking Account: The interest rate and annual percentage yield may change after account opening. If the minimum combined deposit and loan (credit cards not included) daily balance of your accounts fall below $50,000.00 at any time during the statement period, a $20.00 monthly service fee will apply. If you have enrolled in our draw account service, a $5.00 per transfer draw account fee will be applied to your account. The minimum balance required to obtain the APY is $1.00. The minimum deposit to open the account is $50.00. Fees could reduce earnings on the account.

First Savings Account: This account is a tiered interest-bearing account. The interest rate and the annual percentage yield may change. At our discretion, we may change the interest rate on the acount daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly. If you close the account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield. The minimum opening deposit is $1.00. You may make six (6) transfers or withdrawals of any combination from your account, per statement cycle (or similar period). Payments may be by check, draft, debit card, or similar order to third parties. There will be a $15.00 per item charge for clearing checks exceeding three (3). If you violate the six (6) transfer or withdrwal limit more than six (6) times within a celndar year, we will close your account. A $3.00 per month service charge will apply when the balance drops below the $200.00 minimum daily balance unless you are enrolled in direct deposit. Monthly service charge does not apply to custodial accounts. Fees could reduce earnings on the account.

First Tiered Money Market Acoount: This account is a tiered interest bearing account. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest. The minimum opening deposit is $1.00. We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.You may make six (6) transfers or withdrawals of any combination from your account, per statement cycle (or similar period). Payments may be by check, draft, debit card, or similar order to third parties. There will be a $15.00 per item charge for clearing checks exceeding three (3). If you violate the six (6) transfer or withdrawal limit more than six (6) times within a calendar year, we will close your account. A $10 per month service charge will apply if the balance in the account drops below the $2,500.00 minimum daily balance requirement. Fees could reduce earnings on the account.

Certificates of Deposit

Effective Date: May 4th, 2012.

Rates are Subject to Change Without Notice

Annual Percentage Yield may change without notice. The minimum balance to open the account and obtain the APY is $1,000. An early withdrawal penalty of up to six months loss of interest may apply. Fees could reduce earnings.

Retirement Investments Rates

Effective Date: May 4th, 2012.

Rates are Subject to Change Without Notice

Annual Percentage Yield may change without notice. The APY assumes that principal and interest will remain on deposit for one year. There may be a penalty for early withdrawal. Fees could reduce the earnings on the account. Minimum deposit to open a certificate of deposit and obtain the APY is $1,000. For retirement accounts, the minimum deposit to open an account is $500.

For more rate information, please call (203) 462-4400.