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APY's are current as of 1/10/2014.Interest Rates and annual percentage yields (APY's) are subject to change at any time. Early withdrawal penalties may be imposed on certificates of deposit: time deposits of 12 months or less incur 90 days interest penalty and time deposits greater than 12 months incur 180 days interest penalty.  Any penalties or maintenance charges could reduce earnings. Minimum balances required to open an account: certificates one month and over, $1,000 minimum; IRA $250 minimum.  
 
For current rate information on these products and more, call 1.888.524.KSBT (5728) and ask to speak with a Personal Banker. 
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