The rate sheet contains info about interest rates and annual percentage yields for some accounts we offer. 
*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
NOW Personal Checking**$50.000.10%0.10%
NOW T Bill Tiered**$50.00$2,500.00***
The rate is based on the 90 day T Bill
$2,500.00 - $9,999.990.01%0.01%
$10,000.00 - $24,999.990.01%0.01%
$25,000.00 - $49,999.990.01%0.01%
$50,000.00 - $74,999.990.02%0.02%
$75,000.00 - $99,999.990.02%0.02%
$100,000.00 and up0.02%0.02%
Personal Money Market Account**$50.000.45%0.45%
30 Day T Bill Money Market**$50,000.00$50,000.00***
The rate is based on the 30 day T Bill
$50,000.00 and up0.03%0.03%
Personal Fed Fund Money Market**$100,000.00$100,000.00***
Rate is based on the daily Federal Funds rate
$100,000.00 - $299,999.990.17%0.17%
$300,000.00 - $599,999.990.19%0.19%
$600,000.00 - $999,999.990.21%0.21%
$1,000,000.00 and up0.23%0.23%
Regular Savings Account**$50.000.50%0.50%
Minor Savings Account**$25.000.50%0.50%
Certificate of Deposit/IRA
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%
18 Month IRA Variable Rate* **$1,000.00$1,000.00***0.40%0.40%

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