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Account Type
Min. Opening Deposit
Min. Balance for APY
Interest Rate
APY
NOW ACCTS
(First Premier & Golden Citizens Checking)
$0-$9,999.99****
$100.00
$.01
0.25%
0.25%
$10,000 - $24,999.99
0.25%
0.25%
$25,000 - $49,999.99
0.25%
0.25%
$50,000 - $99,999.99
0.25%
0.25%
$100,000 & Above
0.25%
0.25%
BUSINESS NOW
(First Premier Business Checking)
$0-$9,999.99****
$100.00
$.01
0.25%
0.25%
$10,000 - $24,999.99
0.25%
0.25%
$25,000 - $49.999.99
0.25%
0.25%
$50,000 - $99,999.99
0.25%
0.25%
$100,000 & Above
0.25%
0.25%
PERSONAL MONEY MARKET
(First Investment)
$0-$9,999.99****
$500.00
$.01
0.25%
0.25%
$10,000 - $24,999.99
0.25%
0.25%
$25,000 - $49,999.99
0.25%
0.25%
$50,000 - $99,999.99
0.25%
0.25%
$100,000 & Above
0.50%
0.50%
BUSINESS MONEY MARKET
(Business Investment)
$0-$24,999.99****
$500.00
$.01
0.25%
0.25%
$25,000 - $49,999.99
0.25%
0.25%
$50,000 - $99,999.99
0.25%
0.25%
$100,000 & Above
0.50%
0.50%
SAVINGS - PERSONAL/BUSINESS
(First & Young Citizens Savings)
$25.00
$.01
0.25%
0.25%
LOAN ACCOUNTS
WALL STREET PRIME
3.25%
LIBOR RATE
N/A
CERTIFICATES OF DEPOSIT
7-29 DAYS CD**
$500.00
$.01
0.25%
0.25%
30-90 DAYS CD**
$500.00
$.01
0.25%
0.25%
3 MONTH CD***
$500.00
$.01
0.25%
0.25%
6 MONTH CD***
$500.00
$.01
0.25%
0.25%
9 MONTH CD***
$500.00
$.01
0.25%
0.25%
12 MONTH CD***
$500.00
$.01
0.35%
0.35%
18 MONTH CD***
$500.00
$.01
0.40%
0.40%
24 MONTH CD***
$500.00
$.01
0.50%
0.50%
36 MONTH CD***
$500.00
$.01
0.90%
0.90%
48 MONTH CD***
$500.00
$.01
1.15%
1.15%
60 MONTH CD***
$500.00
$.01
1.24%
1.25%
7-29 DAYS JUMBO CD**
$100,000.00
$100,000.00
0.25%
0.25%
30-90 DAYS JUMBO CD**
$100,000.00
$100,000.00
0.25%
0.25%
3 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.25%
0.25%
6 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.25%
0.25%
9 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.25%
0.25%
12 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.35%
0.35%
18 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.40%
0.40%
24 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.50%
0.50%
36 MONTH JUMBO CD***
$100,000.00
$100,000.00
0.90%
0.90%
48 MONTH JUMBO CD***
$100,000.00
$100,000.00
1.15%
1.15%
60 MONTH JUMBO CD***
$100,000.00
$100,000.00
1.24%
1.25%
INDIVIDUAL RETIREMENT ACCOUNTS
6 MONTH IRA***
$500.00
$500.00
0.25%
0.25%
9 MONTH IRA***
$500.00
$500.00
0.25%
0.25%
12 MONTH IRA***
$500.00
$500.00
0.35%
0.35%
18 MONTH IRA***
$500.00
$500.00
0.40%
0.40%
24 MONTH IRA***
$500.00
$500.00
0.50%
0.50%
36 MONTH IRA***
$500.00
$500.00
0.90%
0.90%
48 MONTH IRA***
$500.00
$500.00
1.15%
1.15%
60 MONTH IRA***
$500.00
$500.00
1.24%
1.25%
Early Withdrawal Penalties:
7-30 Days - All interest earned but not less than 7 days interest
31-90 Days - 1 month's interest
91 Days - 1 Year - 3 month's interest
Over 1 Year - 6 month's interest
* All rates subject to change at any time
** Simple interest
*** Compounded quarterly and credited quarterly
**** Compunded daily and credited monthly
Fees could reduce earnings on Accounts
Certificates of Deposits and IRA are subject to substantial penalties for early withdrawal.
APY–Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. APY may change after the account is opened for variable rate accounts.
