Rates

Account

Interest
Rate 

Annual Percentage Yield (A.P.Y)

NOW Checking Account*
Minimum balance to open $10
Minimum average daily balance to obtain A.P.Y. $1,000


  .05%


  .05%

Statement Savings Account*
Minimum balance to open $10
Minimum average daily balance to obtain A.P.Y. $10


  .15%


  .15%

Passbook Savings Account*
Minimum balance to open $10
Minimum average daily balance to obtain A.P.Y. $10

  .15%

  .15%

Club Accounts - Christmas, Tax/Vacation
Minimum balance to open $1
Minimum average daily balance to obtain A.P.Y. at maturity $1


  .50%


  .50% 

Money Market Account*
Minimum balance to open $1,000
Minimum average daily balance to obtain A.P.Y. 

$             .01 - $    2,499.99
$    2,500.00 - $    9,999.99
$  10,000.00 - $  49,999.99
$  50,000.00 - $  89,999.99
$  90,000.00 - $149,999.99
$150,000.00+

  .05%
  .10%
  .20%
  .40%
  .50%
  .60%

  .05%
  .10%
  .20%
  .40%
  .50%
  .60%

Health Savings Account*
Minimum balance to open $100
Minimum average monthly balance to obtain A.P.Y.
If average monthly balance falls below $500 you will incur
a $2.50 service charge

$     500.00 - $ 2,499.99
$  2,500.00 - $ 4,999.99
$  5,000.00 - $ 9,999.99
$10,000.00+



       

1.50%
2.00%
2.25%
2.50%

  
1.51%
2.02%
2.27%
2.53%

Certificates of Deposit**
Minimum balance to open and obtain A.P.Y.

90 days Certificate of Deposit  
     $500                                                                              
     $7,500

182 days Certificate of Deposit  
     $500                                                                             
     $7,500

12 months to 17 months Certificate of Deposit     
     $500
     $7,500

18 months to 23 months Certificate of Deposit     
     $500
     $7,500

24 months to 35 months Certificate of Deposit     
     $500

36 months to 47 months Certificate of Deposit     
     $500

48 months to 59 months Certificate of Deposit     
     $500

60 months to 120 months Certificate of Deposit     
     $500

  .10%
  .20%


  .10%
  .30%


  .25%
  .45%


  .40%
  .50%


  .75%


1.00%


1.30%


1.80%

  .10%
  .20%


  .10%
  .30%


  .25%
  .45%


  .40%
  .50%


  .75%


 1.00%


 1.31%


 1.81%

IRA Statement Savings Account*
Minimum balance to open $10
Minimum  average daily balance to obtain A.P.Y. $10

  .15%

  .15%

IRA Certificate of Deposit**
Minimum balance to open and obtain A.P.Y.

12 months to 17 months Certificate of Deposit
     $500
    
18 months to 23 months Certificate of Deposit
     $500
    
24 months to 35 months Certificate of Deposit
     $500

36 months to 47 months Certificate of Deposit
     $500

48 months to 59 months Certificate of Deposit
     $500

60 months to 120 months Certificate of Deposit
     $500

  
  

 

  .25%
  

  .40%


  .75%


 1.00%


 1.40%


 1.90%

  

 

   .25%
  
  
  .40%


  .75%


 1.00%


 1.41%


 1.92%

* This is a variable rate account; the rate(s) and A.P.Y.(s) may change after the account is opened and fees could reduce earnings on the
account.
                                                                                                                                                                                                                                                                                                                                                                                                                                      **The interest rate and annual percentage yield may change annually. Annual percentage yields for deposit instruments with maturities of less than one year assume reinvestment at original rates for one year.

Interest Rates and Annual Percentage Yields are effective February 22, 2012.
Rates are subject to change without notice.  Fees could reduce the earnings on the account.

A penalty may be imposed for early withdrawal on certificates of deposit.
A $10.00 fee may be imposed on Checking and Savings accounts if closed within 60 days of opening.

Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

All deposits fully insured to $250,000 by the Federal Deposit Insurance Corporation.

Interactive calculators are available through the American Bankers Association (ABA) to help answer your questions regarding home financing, personal financing, investments/savings, retirement and leases.  To go directly to the ABA website page with these calculators just click here.

Community Guaranty Savings Bank: 28 South Main Street, Plymouth, New Hampshire 03264
Tel: (603) 536-0001 • Toll Free: 1-800-339-2192 • Fax: (603) 536-2222
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