Deposit Rates
Effective 09.15.2014
Investment & Savings Plans
Certificates of Deposit*
TERM
RATE
ANNUAL
PERCENTAGE YIELD
30 DAYS
0.05%
0.05%
91 DAYS
0.05%
0.05%
182 DAYS
0.10%
0.10%
9 MONTHS
0.10%
0.10%
12 MONTHS
0.15%
0.15%
18 MONTHS
0.20%
0.20%
24 MONTHS
0.35%
0.35%
30 MONTHS
0.40%
0.40%
36 MONTHS
0.45%
0.45%
48 MONTHS
0.70%
0.70%
60 MONTHS
0.85%
0.85%
 15 MONTH CERTIFICATE OR IRA SPECIAL
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$1000 minimum
0.40%
0.40%
FSB Direct Checking Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$100.00 - $499.00
0.02%
0.02%
$500.00 - $4,999.99
0.05%
0.05%
$5,000.00 and over
0.05%
0.05%
Golden Checking Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
NOW ACCOUNT
0.05%
0.05%
Business Direct Plus Checking Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$25,000 AND OVER
0.05%
0.05%
FSB Harvest Money Market Savings Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$1,000 - $24,999.99
0.05%
0.05%
$25,000 - $74,999.99
0.10%
0.10%
$75,000 AND OVER
0.25%
0.25%
Platinum Harvest Money Market Savings Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$10,000 AND OVER
0.25%
0.25%
Passbook Savings Account
TERM
RATE
ANNUAL
PERCENTAGE YIELD
$0.00 - $24.99
0.00%
0.00%
$25.00 AND OVER
0.05%
0.05%
 
*MINIMUM DEPOSIT $1000 for CDs, $500 for CD IRAs
The annual percentage yield is accurate as of September 15, 2014.  A penalty may be imposed for early withdrawal of funds.
 
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