Deposit Rates

Deposit Rates as of 04/03/2013

Balances below $10.00 do not earn APY.
APY = Annual Percentage Yield

Certificates Of Deposit

There is a substantial penalty for early withdrawal.

• MC = Monthly Compounding
• S = Simple Interest
• VR = Variable Rate
• APY = Annual Percentage Yield
• CC = Continuous Compounding

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Money Market Account

Fee could reduce earnings

All rates are subject to change, after the account is opened.

Opening minimum balance for a Money Market is $2500.00

Spinnaker Checking Account*

Spinnaker Sailing Account*

Opening Minimum Balance: $10,000
All rates are subject to change, after the account is opened.
Fees could reduce earnings.
The Spinnaker features two accounts that work together. The Spinnaker Checking is a non-interest bearing account. The Spinnaker Sailing is a tiered rate account. Just keep a minimum balance of $10,000.00 in your Spinnaker Checking account, and you can earn higher rates on the amounts kept in your Spinnaker Sailing account.

Sextant Premier Money Market Account

Opening minimum balance for a Money Market or Sextant Premier Money Market is $2,500.00.

All rates are subject to change, after the account is opened.

Fee could reduce earnings.

Passbook Savings Account

Minimum balance to open and obtain APY is $10.00.

All rates are subject to change, after the account is opened.

Fee could reduce earnings.

The calculation method for interest is 365/365,

All Deposits are insured in full by FDIC and DIF.

For more information or to receive a Deposit Account Disclosure, please call any branch location or simply e-mail us.