|
Effective as of June 30, 2008
Certificates of Deposit | Accounts | Rate Disclosures
| Certificates of Deposit |
| |
TERM |
|
MIN. BALANCE |
|
TYPE |
Relationship* |
|
APY |
Non-Relationship |
|
APY |
COMPOUNDING |
| |
90 Days |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
At Maturity |
| |
6 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
7 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
9 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
10 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
11 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
12 Months |
$ |
1,000.00 |
|
Fixed |
3.11% |
|
3.15% |
2.87% |
|
2.90% |
Quarterly |
| |
15 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
18 Months |
$ |
1,000.00 |
|
Fixed |
3.94% |
|
4.00% |
3.70% |
|
3.75% |
Quarterly |
| |
23 Months |
$ |
1,000.00 |
|
Fixed |
2.03% |
|
2.05% |
1.79% |
|
1.80% |
Quarterly |
| |
24 Months |
$ |
1,000.00 |
|
Fixed |
4.04% |
|
4.10% |
3.80% |
|
3.85% |
Quarterly |
| |
30 Months |
$ |
1,000.00 |
|
Fixed |
2.97% |
|
3.00% |
2.72% |
|
2.75% |
Quarterly |
| |
33 Months |
$ |
1,000.00 |
|
Fixed |
2.97% |
|
3.00% |
2.72% |
|
2.75% |
Quarterly |
| |
36 Months |
$ |
1,000.00 |
|
Fixed |
4.14% |
|
4.20% |
4.09% |
|
4.15% |
Quarterly |
| |
36 Months - Top Rate |
$ |
1,000.00 |
|
Fixed |
3.94% |
|
4.00% |
3.52% |
|
3.57% |
Quarterly |
| |
48 Months |
$ |
1,000.00 |
|
Fixed |
4.23% |
|
4.30% |
3.99% |
|
4.05% |
Quarterly |
| |
60 Months |
$ |
1,000.00 |
|
Fixed |
3.46% |
|
3.51% |
3.22% |
|
3.26% |
Quarterly |
| |
9 Months Investment
Saver |
$ |
500.00 |
|
Fixed |
2.97% |
|
3.00% |
|
|
|
Quarterly |
| |
18 Months Investment Saver |
$ |
500.00 |
|
Fixed |
3.94% |
|
4.00% |
|
|
|
Quarterly |
| |
23 Months Investment Saver |
$ |
500.00 |
|
Fixed |
4.04% |
|
4.10% |
|
|
|
Quarterly |
| |
Passbook - IRA |
$ |
250.00 |
|
Variable |
0.25% |
|
0.25% |
0.25% |
|
0.25% |
Quarterly |
| |
Jumbo |
$ |
100,000.00 |
|
Fixed |
Inquire For Rate And APY |
|
*Relationship clients must
have a checking, savings or loan account with the bank. Individual Retirement Account CD's are offered at the above rates with a minimum term of 15 Months; Minimum deposit of $500.00; Interest paid quarterly. The TOP RATE CD is not available for IRA accounts. |
The annual percentage yield assumes that the interest remains on deposit until maturity.
A withdrawal of interest will reduce earnings. Rates are Subject to Change
Certificates of Deposit Disclosures |
|
| Personal Accounts |
Passbook Savings |
|
Balance |
|
Rate |
|
APY |
|
|
$0.00 - $19.99 |
|
0.00% |
|
0.00% |
|
|
$20.00 & Over |
|
0.25% |
|
0.25% |
|
|
|
|
|
|
|
Journey Checking |
|
|
|
|
|
|
|
|
$.01 & Over |
|
0.15% |
|
0.15% |
|
|
|
|
|
|
|
Super Now Checking |
|
Balance |
|
Rate |
|
APY |
|
|
$0.00 -$499.99 |
|
0.00% |
|
0.00% |
|
|
$500.00 & Over |
|
0.15% |
|
0.15% |
|
|
|
|
|
|
|
Health Savings Account |
|
Balance |
|
Rate |
|
APY |
|
|
$0.00 - $1,999.99 |
|
1.00% |
|
1.00% |
|
|
$2,000.00 - $9,999.99 |
|
1.49% |
|
1.50% |
|
|
$10,000.00 & Over |
|
1.98% |
|
2.00% |
|
|
|
|
|
|
|
Marquee Money Market |
|
$0.0 - $9,999.99 |
|
0.25% |
|
0.25% |
|
|
$10,000.00- $49,999.99 |
|
0.50% |
|
0.50% |
|
|
$50,000.00-$99,999.99 |
|
.75% |
|
.75% |
|
|
$100,000.00-$249,999.99 |
|
1.00% |
|
1.00% |
|
|
$250,000.00 & Over |
|
1.00% |
|
1.00% |
|
|
|
|
|
|
|
The Fort Money Market |
|
$0.0 - $9,999.99 |
|
0.25% |
|
0.25% |
|
|
$10,000.00- $49,999.99 |
|
0.75% |
|
0.75% |
|
|
$50,000.00-$99,999.99 |
|
1.49% |
|
1.50% |
|
|
$100,000.00-$249,999.99 |
|
1.98% |
|
2.00% |
|
|
$250,000.00 & Over |
|
1.98% |
|
2.00% |
| |
|
|
|
|
|
|
| Business Sweep |
|
|
|
Rate |
|
APY |
| |
|
|
|
1.24% |
|
1.25% |
Personal Accounts Disclosures |
|
Bettsville |
|
419-986-5101 |
|
|
 |
|
Clyde |
|
419-547-8995 |
|
|
| |
Fostoria |
|
419-436-1425 |
|
|
| |
Fremont North |
|
419-355-9078 |
|
|
| |
Fremont |
|
419-334-2989 |
|
|
| |
Old Fort |
|
419-992-4227 |
|
|
| |
Tiffin Downtown |
|
419-447-4790 |
|
|
| |
Tiffin Westgate |
|
419-447-1600 |
|
|
|
|
Findlay |
|
419-424-0458 |
|
|
|
| Disclosures |
| Certificates of Deposit Disclosures |
CD Rates are subject to change. The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
Early withdrawal penalties (a penalty may be imposed for withdrawal before maturity)...
- If your account has an original term of 90 days or less:
The fee we may impose will equal one months interest on the amount withdrawn subject to penalty.
- If your account has an original term of 91 days to twelve months:
The fees we may impose will equal three months interest on the amount withdrawn subject to penalty.
- If your account has an original maturity of over 12 to 24 months:
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.
- If your account has an original maturity of over 24 months or greater:
The fee we may impose will equal 12 months interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
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| Personal Accounts Disclosures |
Savings Account Interest Information
Rates and the resulting annual percentage yields may change any time at our discretion.
Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue on the business day a non cash item, that is a check, is deposited to the account.
If you close the account before interest is credited, you will not receive the accrued interest.
Transfers to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to the third parties.
Fees may reduce the earnings on an interest bearing account.
Disclosures For Checking Account Interest Information:
Rates and the resulting annual percentage yields may change any time at our discretion.
Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue on the business day a non cash item, that is a check, is deposited to the account.
Interest is compounded and credited every month.
If you close the account before interest is credited, you will not receive the accrued interest.
Fees may reduce the earnings on an interest bearing account.
MARQUEE MONEY MARKET ACCOUNT DISCLOSURE
Rates and the resulting annual percentage yields may change any time at our discretion.
Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue on the business day a non cash item, that is a check, is deposited to the account.
If you close the account before interest is credited, you will not receive the accrued interest.
*Transfers to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with a maximum of 3 by check or draft.
Fees may reduce the earnings on an interest bearing account.
HEALTH SAVINGS ACCOUNT DISCLOSURE
Rate Information - The interest rates and annual percentage yields may change at any time
Compounding Frequency – Interest will be compounded monthly.
Crediting Frequency – Interest will be credited into this account monthly.
Effect of Closing an Account – If you close your account before interest is paid, you will not receive the accrued interest.
Daily Balance Computation Method – Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Minimum Balance to Open – The minimum balance required to open this account is $50.00.
Minimum Balance to obtain the disclosed annual percentage yield: - You must maintain a minimum daily balance of $1.00 in your account each day to obtain the disclosed annual percentage yield.
Deposit Limitations – You may make an unlimited number of deposits into your account.
Fees and Charges – The following fees and charges apply to this account:
Annual Fee: $25.00 per year.
Fees may reduce the earnings on an interest bearing account.
Additional Terms –
* Free HSA Debit card transactions
* Free electronic transfers (in & out)
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| Business Extra Eligibilty |
Sole Proprietorship, certain non-profit organizations and government units. For full details contact a new account representative at any of our Old Fort Bank offices.
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