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CERTIFICATE OF DEPOSIT and IRA RATES
Effective 02/15/2013
Effective 02/15/2013
Rates subject to change without notice
Annual Percentage Yield is Accurate as of 02/15/2013
A Penalty May Be Applied On Funds Withdrawn Prior to the Maturity Date. If an early withdrawal penalty is applied, your earnings will be reduced.
"Interest Rate" means the annual percentage rate of interest paid which does not reflect compounding.
"APY" (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.
CD / IRA Rates | ||||
| Effective 02/15/2013 | ||||
| Regular | ||||
| TERM |
Interest Rate |
APY | ||
| Less 91 day | .15 | |||
| 91 day | .15 | .15 | ||
| 182 day | .30 | .30 | ||
| 12 mo. | .50 | .50 | ||
| 24 mo. | .60 | .60 | ||
| 36 mo. | .75 | .75 | ||
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(The APY's for CD's listed above for 1 year or more are based on interest being paid at least annually)
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| TERM | Interest Rate | APY | ||
| 6 mo. | .35 | .35 | ||
| 18 mo. | .55 | .55 | ||
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36 mo. |
.75 | .75 | ||
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(Yield Depends on Term) Jumbo $100,000+ | ||||
| TERM | Interest Rate | APY | ||
| 6 mo. | .30 | .30 | ||
| 12 mo. | .50 | .50 | ||
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| TERM | Interest Rate | APY | ||
| 16 mo. | .50 | .50 | ||
| 19 mo. | .50 | .50 | ||
| 28 mo. | .60 | .60 | ||
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© Copyright 2013 First Citizens Bank,Luverne All Rights Reserved 100 West Third Street ¤ Luverne, AL ¤ 36049 P.O. Drawer 271 (334) 335-3346 ¤ (334) 335-5506 (24-Hour Telephone Customer Service Number) disclaimer |
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