| CERTIFICATES OF DEPOSITS AND IRA'S (Fixed Rates) |
|
|
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Deposit to Open |
Minimum to Earn APY |
| 14 Days CD only |
(AM) |
0.25% |
0.25% |
$1,000.00 |
$1,000.00 |
| 3 Month CD or IRA |
(AM) |
0.50% |
0.50% |
$1,000.00 |
$1,000.00 |
| 6 Month CD or IRA |
(Q) |
0.748% |
0.75% |
$1,000.00 |
$1,000.00 |
| 12 Month CD or IRA |
(Q) |
0.996% |
1.00% |
$1,000.00 |
$1,000.00 |
| 18 Month CD or IRA |
(Q) |
1.244% |
1.25% |
$1,000.00 |
$1,000.00 |
| 24 Month CD or IRA |
(Q) |
1.492% |
1.50% |
$1,000.00 |
$1,000.00 |
| 36 Month CD or IRA |
(Q) |
1.739% |
1.75% |
$1,000.00 |
$1,000.00 |
| 48 Month CD or IRA |
(Q) |
2.231% |
2.25% |
$1,000.00 |
$1,000.00 |
| 60 Month CD or IRA |
(Q) |
2.477% |
2.50% |
$1,000.00 |
$1,000.00 |
|
|
Interest Rate |
Annual Percentage Yield (APY) |
Minimum Deposit to Open |
Minimumto Earn APY |
| Millennium NOW Checking |
(M) |
0.10% |
0.10% |
$100.00 |
$1,000.00 |
| Millennium Senior NOW Checking |
(M) |
0.10% |
0.10% |
$100.00 |
$0.01 |
| Millennium Money Market |
(M) |
0.25% |
0.25% |
$1,000.00 |
$1,000.00-$24,999.99 |
|
|
0.499% |
0.50% |
|
25,000.00-49,999.99 |
|
|
0.898% |
0.90% |
|
50,000.00-99,999.99 |
|
|
1.094% |
1.10% |
|
100,000.00 and over |
| Millennium Regular Savings |
(Q) |
0.25% |
0.25% |
$100.00 |
$100.00 |
| Millennium Super Savings |
(Q) |
0.499% |
0.50% |
$1,000.00 |
$1,000.00 |
| Millennium Minor Savings |
(Q) |
0.25% |
0.25% |
$100.00 |
$0.01 |
| Millennium Business NOW |
(M) |
0.10% |
0.10% |
$100.00 |
$1,000.00 |
| Millennium Business MMA |
(M) |
0.25% |
0.25% |
$1,000.00 |
$1,000.00-$24,999.99 |
|
|
0.499% |
0.50% |
|
25,000.00-49,999.99 |
|
|
0.898% |
0.90% |
|
50,000.00-99,999.99 |
|
|
1.094% |
1.10% |
|
100,000.00 and over |
| A penalty may be imposed for early withdrawal from CDs. Fees could reduce the earnings on the above accounts. The rate may change on any given account after the account is opened with the exception of the fixed rate CD's. Interest is paid at the highest rate tier on the entire balance in the account. We use the daily balance method to calculate interest on accounts. This method applies a daily rate to the principle in the account each day. If you close your deposit account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on deposits no later than the business day we receive credit for the deposit of non-cash items. |
| All deposits are insured to a maximum of $250,000.00 per depositor by the FDIC until December 31, 2013. For additional account disclosure information, please contact a customer service representative to receive our Account Agreement and Disclosure brochure. |
| Interest Compounding Abbreviations: (AM) At Maturity, (A) Annually, (Q) Quarterly, (M) Monthly, (D) Daily |
|