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Consumer Deposit Accounts Rates effective as of May 15, 2008 |
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Account
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Balance Requirement
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Interest Rate
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APY*
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Best Rate Checking
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< $50,000
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0.63%
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0.63%
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$50,000 +
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0.82%
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0.82%
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Great Day Checking
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< $50,000
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1.79%
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1.80%
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$50,000 +
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0.51%
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0.51%
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High Yield Money Market
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< $10,000.00
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0.25%
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0.25%
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$10,000.00 - $49,999.99
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0.45%
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0.45%
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$50,000.00 - $99,999.99
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0.60%
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0.60%
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$100,000.00 +
|
1.10%
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1.11%
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|
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Easy Checking
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None
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0.51%
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0.51%
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Savings
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None
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0.35%
|
0.35%
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Great Day Money Market
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< $25,000.00
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0.50%
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0.50%
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$25,000.00 - $49,999.99
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1.61%
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1.62%
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$50,000.00 - $99,999.99
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2.14%
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2.16%
|
|
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$100,000.00 +
|
2.34%
|
2.37%
|
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* APY = Annual Percentage Yield Rates are subject to change by the bank after the account is opened. Fees may reduce earnings on the accounts. For additional information, see Personal Services |
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Business Deposit Accounts Rates effective as of May 15, 2008 |
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Account
|
Balance
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Interest Rate
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|
Interest Checking
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None
|
0.20%
|
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Money Market
|
None
|
0.20%
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High Yield Money Market
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< $10,000.00
|
0.20%
|
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$10,000.00 +
|
0.45%
|
|
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Business Savings
|
None
|
0.35%
|
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Rates are subject to change by the bank after the account is opened. Fees may reduce earnings on the accounts. For additional information, see Business Services |
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Certificates of Deposit Rates effective as of May 15, 2008 |
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Term
|
Interest Rate
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APY*
|
|
SPECIALS**
|
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5- or 7-month
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1.98%
|
1.9948%
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11- or 13-month
|
1.98%
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1.9948%
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3-month
|
2.35%
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2.3708%
|
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* APY = Annual Percentage Yield ** To qualify for CD specials, customers must also have a checking account at Twin City Bank. A penalty may be assessed for early withdrawal |
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Loan Rates Rates effective as of May 15, 2008 |
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Call for relationship pricing at 812-1400.
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| Commercial Account Fees | |
|
Description
|
Fee
|
|
Account Maintenance
|
$7.75
|
|
Negative Earnings Credit Rate
|
NY Prime + 4%
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FDIC Insurance Rate
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BIF Rate
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Earnings Credit Rate
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91-Day T-Bill
|
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Deposits & Other Credits Posted
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$0.09 each
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Checks & Other Debits Posted
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$0.09 each
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Debits Posted - Rejects
|
$0.20 each
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Items Deposited - On-Us
|
$0.09
|
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Items Deposited - Other
|
$0.09
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| Overdraft Fees | |
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Description
|
Fee
|
|
Insufficient Funds & Overdrafts
|
$30.00 per item*
|
|
Items Deposited - Returned/Recleared
|
$2.00
|
| * Effective 5/25/06 | |
| Special Statement Fees | |
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Description
|
Fee
|
|
Statements - Annual Calendar
|
$12.00
|
|
Statements - Duplicate Copy
|
$5.00
|
| Safety Deposit Box Fees | |
|
Dimensions
|
Fee per year
|
|
3 X 5 inches
|
$25.00
|
|
3 X 10 inches
|
$40.00
|
|
5 X 10 inches
|
$55.00
|
|
10 X 10 inches
|
$90.00
|
| Other Fees | |
|
Description
|
Fee
|
|
Stop Payments Requests
|
$20.00 per item
|
|
Dormant Account
|
$5.00 per month
|
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Cashiers Checks Purchased - Customers
|
$5.00
|
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Travelers Checks - 1 Signature
|
$1.00 per $100
|
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Travelers Checks - 2 Signatures
|
$2.00 per $100
|
|
Research
|
$15.00 per hour
|
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Research - Copy
|
$1.00
|
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Wire Transfer - Inbound
|
$5.00
|
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Wire Transfer - Domestic Outbound
|
$15.00
|
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Wire Transfer - International Outbound
|
$45.00
|
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Checks, Forms & Supplies
|
Varies
|
|
Deposit Bag - Zippered
|
$5.00
|
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Deposit Bag - Locking
|
$20.00
|
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Notary Service - Customers
|
Free
|
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Notary Service - Non-customer
|
$15.00
|
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Signature Guaranty - Customers
|
Free
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