Deposit Rates
As of May 1, 2013
Savings
| Account |
Rate |
APY |
| Regular Savings |
0.15% |
0.15% |
| Kids Savings |
0.15% |
0.15% |
| Holiday/Vacation Savings |
0.15% |
0.15% |
| Health Savings (HSA) |
0.10% |
0.10% |
Checking
| Account |
Dividend Rate |
APY |
| Free Checking |
n/a |
n/a |
| Checking Plus |
0.10% |
0.10% |
| Premium Checking |
0.15% |
0.15% |
| Senior Checking |
0.10% |
0.10% |
| Preferred Checking |
0.10% |
0.10% |
Money Markets
$5,000 minimum opening deposit
| Balance |
Dividend Rate |
APY |
| $5,000–9,999 |
0.20% |
0.20% |
| $10,000–24,999 |
0.20% |
0.20% |
| $25,000–49,999 |
0.25% |
0.25% |
| $50,000–74,999 |
0.30% |
0.30% |
| $75,000–99,999 |
0.35% |
0.35% |
| $100,000 or more |
0.40% |
0.40% |
Money Market Plus
$15,000 minimum opening deposit. You must maintain a $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply.
| Balance |
Dividend Rate |
APY |
| $15,000 or more |
0.40% |
0.40% |
Certificates of Deposit*
$1,000 minimum opening deposit
| Term |
Rate |
APY |
| 6 month |
0.30% |
0.30% |
| 11 month |
0.40% |
0.40% |
| 12 month |
0.40% |
0.40% |
| 14 month |
0.10% |
0.10% |
| 15 month |
0.40% |
0.40% |
| 18 month |
0.50% |
0.50% |
| 24 month |
0.55% |
0.55% |
| 36 month |
0.75% |
0.75% |
| 48 month |
0.90% |
0.90% |
| 60 month |
1.10% |
1.10% |
Roth/Traditional IRA CDs & Coverdell Savings Accounts*
$500 minimum opening deposit
| Term |
Rate |
APY |
| 12 month |
0.40% |
0.40% |
| 18 month |
0.50% |
0.50% |
| 24 month |
0.55% |
0.55% |
| 36 month |
0.75% |
0.75% |
| 48 month |
0.90% |
0.90% |
| 60 month |
1.10% |
1.10% |
| IRA Accumulation** |
0.32% |
0.32% |
APY–Annual Percentage Yield. Rates subject to change. Fees may reduce earnings on accounts.
*Penalty imposed for early withdrawal.
**A regular monthly dividend will be paid on daily balances for the month.
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