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Rates
INVESTMENT RATE INDEX - TIME AND NON-TIME ACCOUNTS
MEMBER FDIC
Certificates of Deposit - Fixed rate for August 22, 2008
|
Interest Rate |
Annual Percentage Yield |
|
| TERM |
$2,500 and over |
Minimum Balance to open the account is $2,500.
Compounding Frequency - None, or (if CD is greater than 1 year) annually. The annual percentage yields on non-compounding Certificates of Deposit with terms less than one year assume that all principal and interest will be reinvested on each maturity date for a period of one year at the same rate. Note that this is only an assumption necessary to produce the APY on such certificates; it is not actuality.
Crediting Frequency - Interest will be credited to your account at maturity or (if CD term is greater than 1 year) annually. Other crediting options are available to depositors. |
| 30 Days |
2.25 |
2.27 |
| 90 Days |
2.25 |
2.27 |
| 180 Days |
2.50 |
2.52 |
| 1 Years |
3.00 |
3.00 |
| 2 Years |
3.25 |
3.25 |
| 3 Years |
3.55 |
3.55 |
| 4 Years |
3.75 |
3.75 |
| 5 Years |
4.01 |
4.01 |
Individual Retirement Accounts - Fixed Rate
|
Interest Rate |
Annual Percentage Yield |
|
| TERM |
$2,000 And Over |
Minimum Balance to open the account is $2,000.00.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly. |
| 1 year |
3.00 |
3.03 |
| 18 months |
3.13 |
3.17 |
| 2 years |
3.25 |
3.29 |
| 30 months |
3.40 |
3.44 |
| 3 years |
3.55 |
3.60 |
| 4 years |
3.75 |
3.80 |
| 5 years |
4.01 |
4.07 |
Individual Retirement Accounts - Variable Rate
|
Interest Rate |
Annual Percentage Yield |
|
| TERM |
$1,000 and Over |
Minimum Balance to open the account is $1,000.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly. |
| 18 months |
3.25 |
3.29 |
Investment Rate Index - Non-Time Accounts
|
Interest Rate |
Annual Percentage Yield |
| Gulf Stream Money Market Account |
|
|
| $2,500 to $19,999 |
.75 |
.75 |
| $20,000 to $39,999 |
1.00 |
1.00 |
| $40,000 and above |
2.30 |
2.32 |
| Gulf Star Super Now Account |
0.35 |
0.35 |
| Sand Dollar Savings |
0.65 |
0.65 |
| Gulf Reward Savings Account |
0.75 |
0.75 |
| Gulf Advantage Checking |
|
|
| $.01 to $25,000 (requirements met) |
4.52 |
4.61 |
| $25,000 to $50,000 |
1.01 |
4.61 - 2.80 |
| $.01 & above (requirements not met) |
0.25 |
0.25 |
| Health Savings Account |
|
|
| $1,000 to $4,999.99 |
0.35 |
0.35 |
| $5,000 & above |
0.60 |
0.60 |
PLEASE CALL 979/297-7211 OR 979/849-2372 AND ASK FOR A FINANCIAL SERVICE REPRESENTATIVE TO REQUEST TRUTH-IN-SAVINGS REG DD DISCLOSURES CONCERNING THE TERMS, FEES, EARLY WITHDRAWAL PENALTIES AND RATE INFORMATION FOR ALL ACCOUNTS.
The interest rates and Annual Percentage Yields
on this sheet are accurate as of 8/22/2008
The telephone number you may call for current interest
rate and Annual Percentage Yield information are:
Freeport 979/233-4401 Clute 979/297-7211 Angleton 979/849-2372
Lake Jackson 979/299-1308 Brazosport 979/233-3536
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