Deposit Rates
Updated 2/14/2006
For the most current rate information call (703) 534-0700.

Certificates | IRA & ESA | Money Market Accounts | Checking Accounts | Savings Accounts

Certificates of Deposit d

Account Product Name

Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
365-Day No Penalty CD f $5,000.00 $5,000.00c 2.97% 3.00%
CD - 91 to 181 Days a $500 $500c 3.45% 3.50%
CD - 182 to < 1 year a $500 $500c 3.70% 3.75%
CD - 1 yr to <18 mos a $500 $500c 4.14% 4.20%
CD - 18  mos to < 2 yrs a $500 $500c 4.14% 4.20%
CD - 2 yrs to < 30 mos a $500 $500c 4.28% 4.35%
CD - 30 mos to < 3 yrs a $500 $500c 4.28% 4.35%
CD - 3 yrs to < 4 yrs a $500 $500c 4.47% 4.55%
CD - 4 yrs to <5 yrs a $500 $500c 4.67% 4.75%
CD -  5 years a $500 $500c 4.91% 5.00%
         
Individual Retirement Accounts and Education Savings Accounts d
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual
Percentage Yield
IRA - 6 months a -0- $100c 3.70% 3.75%
IRA - 12 months a -0- $100c 4.14% 4.20%
IRA - 18 months a -0- $100c 4.14% 4.20%
IRA - 24 months a -0- $100c 4.28% 4.35%
IRA - 36 months a -0- $100c 4.47% 4.55%
IRA - 48 months a -0- $100c 4.67% 4.75%
IRA - 60 months a -0- $100c 4.91% 5.00%
         
Money Market Accounts
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual
Percentage Yield
Personal Money Market Acct (Daily Balances of up to $24,999.99) b $100 $100c 0.75% 0.75%
Personal Money Market Acct (Daily Balances of $25,000-$49,999.99) b $100 $25,000c 1.24% 1.25%
Personal Money Market Acct (Daily Balances of $50,000 and up) b $100 $50,000c 1.24% 1.25%
Millennium Personal Money Market Acct (Daily Balances of $25,000 and up) b $25,000 $25,000c 2.47% 2.50%
Millennium Personal Money Market Acct (Daily Balances of up to $24,999.99) b $2,500 $2,500c 1.24% 1.25%
Business Money Market Acct (Daily Balances of up to $24,999.99) b $100 $100c 0.75% 0.75%
Business Money Market Acct (Daily Balances of $25,000-$49,999.99) b $100 $25,000c 1.24% 1.25%
Business Money Market Acct (Daily Balances of $50,000 and up) b $100 $50,000c 1.24% 1.25%
Millennium Business Money Market Acct (Daily Balances of $25,000 and up) b $25,000 $25,000c 2.47% 2.50%
Millennium Business Money Market Acct (Daily Balances of up to $24,999.99) b $2,500 $2,500c 1.24% 1.25%
         
Checking Accounts
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual
Percentage Yield
Medallion NOW Acct b $100 $100c 1.98% 2.00%
Personal NOW Acct b $100 $100c 0.50% 0.50%
Business NOW Acct b $100 $100c 0.50% 0.50%
         
Savings Accounts
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual
Percentage Yield
Personal Savings Acct b $100 $100c 0.50% 0.50%
Preferred Savings Acct (Daily Balances of up to $9,999.99) b $100 $100c 0.50% 0.50%
Preferred Savings Acct (Daily Balances of $10,000 and up) b $100 $10,000c 0.75% 0.75%
Lifestyle 55 Savings Acct (Daily Balances of up to $4,999.99) b $100 $100c 0.50% 0.50%
Lifestyle 55 Savings Acct (Daily Balances of $5,000 and up) b $100 $5,000c 0.75% 0.75%
Business Savings Acct b $100 $100c 0.50% 0.50%
Junior Savings Acct b e -0- -0- 0.50% 0.50%
Group Banking Savings Acct b e -0- -0- 0.50% 0.50%


a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance.  The amount of the principal in the account each day.
d) Certificates of Deposits of $1 million or more are subject to management approval.
e) This account does not require a minmum opening deposit as well as a minimum balance to obtain the annual percentage yield.
f) Permits one penalty-free withdrawal after the account has been opened for 14 days. Additional withdrawals are subject to standard penalties.

Fees could reduce the earnings on the account.
For the most current rate information call (703) 534-0700.