Residential Loan Rates | Car Loan Rates DEPOSIT RATES Rates accurate as of 3/10/2010 CHECKING APY* Free Checking - Loyal Checking .90% FREE Advantage Checking $.01 - $40,000** 3.00% †† over $40,000** .35%†† Minimum to open a Loyal Checking or FREE Advantage Checking is $25 SAVINGS & MONEY MARKET APY* Statement Savings .75% Money Market $2,500 - $24,999** .75% $25,000 - $49,999** 1.05% $50,000 - $99,999** 1.05% $100,000** - or more 1.20% FIXED RATE TERM CD'S AND IRA'S Term Minimum Deposit** APY† 3 Month $500 .85% 6 Month $500 1.15% 12 Month $500 1.50% 18 Month $500 1.60% 24 Month $500 2.00% 36 Month $500 2.35% 48 Month $500 2.55% 60 Month $500 2.80% *Annual Percentage Yield (APY) and interest rate are variable and may change after the account is opened. Monthly maintenance service charges could reduce earnings on the account. ** Minimum balance to obtain Annual Percentage Yield (APY) † Annual Percentage Yield (APY) assumes interest remains on deposit until maturity date. If you withdraw any of the principal in your account before the maturity date a penalty may be imposed. †† To earn APY, monthly requirements must be met. Click here to see our FREE Advantage Checking monthly requirements. (If the monthly requirements are not met, the account will earn the standard rate of .15% APY*.) ****FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. The FDIC insures self-directed retirement accounts up to $250,000. All additional funds are fully insured by the Share Insurance Fund. (click here for more details)