* A penalty will be imposed for early withdrawal 
** The interest rate and annual percentage yield may change after account opening 
*** Daily balance. The amount of the principal in the account each day. 
Fees could reduce earnings. For current rate information please call (352) 332-4727 or (352) 622-4727. Rates subject to change daily. CD Rates effective January 3rd, 2014 
To print a PDF of our Rates & Fees Schedule click here. 

Product NameMinimum Opening DepositMinimum to obtain APYInterest RateAnnual Percentage Yield
Commercial Now Account**$50.000.10%0.10%
Sole Proprietorships/Non-profit groups
 
Business Money Market Account** $50.000.45%0.45%
 
30 Day T Bill Money Market**
The rate is based on the 30 day T Bill
$50,000.00 and up $50,000.00$50,000.00***0.04%0.04%
 
Business Fed Fund Money Market**$100,000.00$100,000.00***
Rate is based on the daily Federal Funds rate
$100,000.00 - $299,999.990.04%0.04%
$300,000.00 - $599,999.990.05%0.05%
$600,000.00 - $999,999.990.05%0.05%
$1,000,000.00 and up0.05%0.05%
 
Business Savings Account**$50.000.50%0.50%
 
Certificate of Deposit
6 Month*$1,000.00$1,000.00***0.20%0.20%
12 Month*$1,000.00$1,000.00***0.35%0.35%
18 Month*$1,000.00$1,000.00***0.40%0.40%
24 Month*$1,000.00$1,000.00***0.65%0.65%
36 Month*$1,000.00$1,000.00***0.90%0.90%
48 Month*$1,000.00$1,000.00***1.05%1.05%
60 Month*$1,000.00$1,000.00***1.25%1.25%
 

FDIC
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