Current Interest Rates

DEPOSIT INTEREST RATES
Rates subject to change without notice. Stated Interest Rate and Annual Percentage Yield (APY)
is effective as of June 15, 2016.
Account Type APY Annual Percentage
Yield
Interest
Rate
Minimum Balance to Obtain APY Minimum to Open an Account
GRANITE REWARDS CHECKING
$0 - $25,000.00 0.50% 0.49% $.01 $10.00*
> $25,000.00 0.10% 0.10% $.01  
Qualifications not met 0.05% 0.05%    
GRANITE MONEY MARKET
($10,000.00 - < $50,000.00) 0.10% 0.10% $10,000.00 $10,000.00*
($50,000.00 - < $100,000.00) 0.15% 0.15%    
($100,000.00 and up) 0.20% 0.20%    
NOW ACCOUNT & SAVINGS
NOW Account 0.05% 0.05% $500.00 $500.00*
Statement Savings 0.10% 0.10% $100.00 $10.00*
Health Savings 0.10% 0.10% $0.01 $0.01*
Christmas Club 0.10% 0.10% $5.00 $5.00***
Vacation Club 0.10% 0.10% $5.00 $5.00***
NOT-FOR-PROFIT CHECKING
$20,000.00 and greater 0.41% 0.40% $.01 $100.00**
$0 - $19,999.99 0.10% 0.10% $.01  
ACCOUNT ANALYSIS INTEREST
  0.05% 0.05% $500.00 $500.00*
IOLTA NOW ACCOUNTS
$500.00 and greater 0.20% 0.20% $500.00 $500.00*

* DAILY BALANCE (calculated by applying the daily periodic rate to the current principal balance in the account each day. The period we use is the monthly statement cycle). Fees could reduce earnings on this account. This is a variable rate and at our discretion the interest rate and APY may change after the account is opened.

** DAILY BALANCE (calculated by applying the daily periodic rate to the collected principal balance in the account each day. The period we use is the monthly statement cycle). Fees could reduce earnings on this account. This is a variable rate and at our discretion the interest rate and APY may change after the account is opened.

*** DAILY BALANCE (calculated by applying 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.  This is a variable rate and at our discretion the interest rate and APY may change at maturity.
 


CD AND IRA RATES
Rates subject to change without notice. Stated Interest Rate and Annual Percentage Yield (APY)
is effective as of July 01, 2016.
Account Type APY Annual Percentage
Yield
Interest
Rate
Minimum Balance to Obtain APY Minimum to Open an Account
CERTIFICATES OF DEPOSIT
28-Month Rock Solid CD Special 0.25% 0.25% $25.00 $100.00 **
60-Month 1.50% 1.47% $1,000.00 $1,000.00
48-Month 1.25% 1.23% $1,000.00 $1,000.00
30-Month 0.70% 0.69% $1,000.00 $1,000.00
24-Month 0.55% 0.54% $1,000.00 $1,000.00
18-Month 0.45% 0.44% $1,000.00 $1,000.00
12-Month 0.35% 0.34% $1,000.00 $1,000.00
6-Month 0.20% 0.20% $1,000.00 $1,000.00
IRA ACCOUNTS
60-Month 1.50% 1.47% $0.01 $10.00
48-Month 1.25% 1.23% $0.01 $10.00
36-Month 1.00% 0.98% $0.01 $10.00
30-Month 0.70% 0.69% $0.01 $10.00
24-Month 0.55% 0.54% $0.01 $10.00
18-Month 0.45% 0.44% $0.01 $10.00
12-Month 0.35% 0.34% $0.01 $10.00
6-Month IRA Savings Plan 0.20% 0.20% $0.01 $10.00 *

*  6-Month IRA Savings Plan - No early withdrawal penalty after age 59 1/2.

**  28-Month Rock Solid Certificates have the opportunity to make unlimited deposits in increments of $10.00 or greater.  Maximum deposit balance $25,000.00.  Limit of one Rock Solid CD per social security number.  One withdrawal per calendar year up to 75% of principal balance without penalty during original term.  CD renews into a 24-Month CD.

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