All rates are intended for the local COMMUNITIES that we serve and not
for entities outside of our communities.
Rates Effective As Of July 23, 2008
| Account Name |
Interest Rate |
APY* |
| Heritage Checking Account |
0.25% |
0.25% |
| BSB Free Checking Account |
0.25% |
0.25% |
| BSB Prestige Checking Account: |
| $0.00 - 9,999.99 |
0.25% |
0.25% |
| $10,000.00 - 19,999.99 |
0.75% |
0.75% |
| $20,000.00 - 49,999.99 |
0.80% |
0.80% |
| $50,000.00 - 74,999.99 |
0.90% |
0.90% |
| $75,000.00 - 99,999.99 |
1.00% |
1.00% |
| $100,000.00 - 249,999.99 |
1.10% |
1.11% |
| $250,000.00 and above |
1.20% |
1.21% |
| Savings Account |
0.50% |
0.50% |
| Money Market Account: |
 $10,000.00
- 24,999.99
|
1.00% |
1.00% |
$25,000.00
- 49,999.99 |
1.24% |
1.25% |
$50,000.00
- 74,999.99 |
1.49% |
1.50% |
$75,000.00
- 99,999.99 |
1.59% |
1.60% |
$100,000.00
- 249,999.99 |
1.69% |
1.70% |
$250,000.00 - and above |
1.79% |
1.80% |
| Health Savings Account (HSA) |
2.23% |
2.25% |
top^
| Term |
$1,000.00 to
$4,999.99 |
$5,000.00
OR MORE |
| Interest Rate |
APY* |
Interest Rate |
APY* |
| 91 Day |
2.23% |
2.25% |
2.23% |
2.25% |
| 182 Day |
2.47% |
2.49% |
2.47% |
2.50% |
| 12 Month |
2.96% |
3.00% |
2.96% |
3.00% |
| 18 Month |
3.20% |
3.24% |
3.20% |
3.25% |
| 24 Month |
3.44% |
3.49% |
3.44% |
3.50% |
| 36 Month |
3.69% |
3.74% |
3.69% |
3.75% |
| 48 Month |
3.93% |
3.99% |
3.93% |
4.00% |
| 60 Month |
4.17% |
4.24% |
4.17% |
4.25% |
| Prime Time CD-Variable Rate - 21 Months |
| Monthly Interest |
N/A |
N/A |
3.00% |
3.04% |
| Quarterly Interest |
3.00% |
3.03% |
N/A |
N/A |
top^
| Type |
Interest Rate |
APY* |
| IRA 18 Months / Quarterly Interest |
3.35% |
3.40% |
| IRA 24 Months / Quarterly Interest |
3.59% |
3.64% |
| IRA 36 Months / Quarterly Interest |
3.84% |
3.89% |
| IRA 48 Months / Quarterly Interest |
4.08% |
4.14% |
| IRA 60 Months / Quarterly Interest |
4.32% |
4.39% |
*APY = Annual Percentage
Yield
Rates are subject to change without notice. A penalty may be imposed for
early withdrawal.
Deposit Accounts 
