Florida Content
This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call our TeleBanking Center, toll free at 1-888-709-2500. This time deposit is not transferable.
We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest-bearing account.
Rate Information
The interest rate and Annual Percentage Yield for your account depend upon the applicable rate tier. Your interest rate and Annual Percentage Yield may change at our discretion.
Rate Tiers That May Affect This Account
| Balance | Interest Rate | APY* |
| $0 - $14,999.99 | 0.25% | 0.25% |
| $15,000 - $149,999.99 | 1.24% | 1.25% |
| $150,000 and over | 1.74% | 1.75% |
Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00.
Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.
Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Charges which may be applied to this account
$2 Account Inquiry (in person)
$2 Account inquiry
$10 Chargeback
$10 Cashier’s Check
$20 Excess Transaction Fee (for each > 6 per statement cycle)
Disclosure Terms
Unlimited deposit and a limit of 6 withdrawals per month in person at a banking center or electronic. No checks or ATM cards issued. Statements sent to clients quarterly. If collected balance falls below $15,000.00, the interest rate drops to our lower-tier account rate. On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.
Kentucky/Indiana Content
This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call our TeleBanking Center, toll free at 1-888-584-3600. This time deposit is not transferable.
We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest-bearing account.
Rate Information
The interest rate and Annual Percentage Yield for your account depend upon the applicable rate tier. Your interest rate and Annual Percentage Yield may change at our discretion.
Rate Tiers That May Affect This Account
| Balance | Interest Rate | APY* |
| $0 - $14,999.99 | 0.00% | 0.00% |
| $15,000 - $149,999.99 | 0.25% | 0.25% |
| $150,000 and over | 0.50% | 0.50% |
Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00.
Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.
Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Charges which may be applied to this account
$2 Account Inquiry (in person)
$2 Account inquiry
$10 Chargeback
$10 Cashier’s Check
$20 Excess Transacation Fee (for each > 6 per statement cycle)
Disclosure Terms
Unlimited deposit and a limit of 6 withdrawals per month in person at a banking center or electronic. No checks or ATM cards issued. Statements sent to clients quarterly. If collected balance falls below $15,000.00, the interest rate drops to our lower-tier account rate. On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.