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IMPORTANT INFORMATION
Regarding FDIC Deposit Insurance Coverage
TSB Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2013, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
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Savings Accounts
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Savings Accounts
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Minimum Daily Balance to Earn APY
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Interest Rate
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Annual Percentage Yield
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Statement
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$0.01
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0.40%
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0.40%
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TISBY
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$0.01
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0.40%
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0.40%
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IRA or HSA
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$0.01
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0.80%
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0.80%
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Hunters Choice
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$0.01
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1.75%
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1.75%
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Christmas Club
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$0.01
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1.75%
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1.75%
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Checking Accounts
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Checking Accounts
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Minimum Daily Balance to Earn APY
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Interest Rate
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Annual Percentage Yield
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HSA
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$0.01
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0.80%
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0.80%
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NOW*
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$0.01
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0.25%
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0.25%
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Super NOW*
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$0.01
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0.40%
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0.40%
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Money Market Accounts
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Money Market*
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Minimum Daily Balance to Earn APY
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Interest Rate
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Annual Percentage Yield
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$0.01 - $4,999
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$0.01
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0.50%
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0.50%
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$5,000 or More
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$5,000
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0.80%
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0.80%
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Certificate of Deposit or IRA Certificate of Deposit
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Minimum Deposit of $500
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Interest Rate
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Annual Percentage Yield
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3 Month Certificate
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1.15%
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1.16%
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Relationship Rate*
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1.25%
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1.26%
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6 Month Certificate
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1.40%
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1.41%
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Relationship Rate*
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1.50%
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1.51%
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12 Month Certificate
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1.50%
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1.50%
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Relationship Rate*
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1.80%
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1.80%
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18 Month Certificate
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1.75%
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1.76%
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Relationship Rate*
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2.00%
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2.01%
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24 Month Certificate
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2.00%
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2.00%
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Relationship Rate*
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2.25%
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2.25%
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36 Month Certificate
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2.25%
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2.25%
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Relationship Rate*
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2.50%
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2.50%
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48 Month Certificate
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2.50%
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2.50%
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Relationship Rate*
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2.75%
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2.75%
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60 Month Certificate
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2.75%
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2.75%
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Relationship Rate*
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3.25%
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3.25%
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*MUST HAVE A TSB BANK CHECKING, SAVINGS, OR LOAN ACCOUNT AT CD OPENING OR RENEWAL TO QUALIFY FOR RELATIONSHIP RATE*
RATES ARE SUBJECT TO CHANGE
PENALTY MAY APPLY FOR EARLY WITHDRAWAL ON CERTIFICATES OF DEPOSIT
THE DAILY BALANCE METHOD APPLIES A DAILY PERIODIC RATE TO THE PRINCIPAL IN THE ACCOUNT EACH DAY
*FEES MAY REDUCE EARNINGS, SPECIFIED ACCOUNTS HAVE MINIMUM AVERAGE DAILY BALANCE REQUIREMENTS.
MEMBER FDIC
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Rates effective as of 3/10/2010
Contact TSB Bank to obtain the most current information
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