The Baldwin State Bank is a Full Service Bank with
three convenient locations in Baldwin City, Kansas.
Current Rates
Rates current as of 04/01/2008.
Checking Accounts
|
| Product |
Interest Rate |
APY * |
| NOW Account |
|
|
Under $5,000 |
0.45 |
0.45 |
$5,000 - $20,000 |
0.60 |
0.60 |
$20,000 & over |
0.75 |
0.75 |
| $100.00 Minimum Deposit to Open. Checking accounts may be subject to fees which would reduce earnings |
| * Annual Percentage Yield (APY). Interest Rates are subject to change at Bank's discretion. |
Savings Accounts
|
| Product |
Interest Rate |
APY * |
| Money Market Account |
|
|
Under $5,000 |
1.70 |
1.71 |
$5,000 - $20,000 |
1.85 |
1.87 |
$20,000 & over |
2.00 |
2.02 |
| Regular Savings |
|
|
Under $5,000 |
0.70 |
0.70 |
$5,000 - $20,000 |
0.85 |
0.85 |
$20,000 & over |
1.00 |
1.01 |
| $100.00 Minimum Deposit to Open. Savings accounts may be subject to fees which would reduce earnings. |
| * Annual Percentage Yield (APY). Interest Rates are subject to change at Bank's discretion. |
Retirement Accounts
|
| Product |
Interest Rate |
APY * |
| IRA 18 Months |
|
|
Under $5,000 |
2.30 |
2.33 |
$5,000 - $20,000 |
2.45 |
2.48 |
$5,000 - $20,000 |
2.60 |
2.63 |
| IRA Variable |
|
|
Under $5,000 |
2.80 |
2.84 |
$5,000 - $20,000 |
2.80 |
2.84 |
$5,000 - $20,000 |
2.80 |
2.84 |
| $1,000.00 Minimum Deposit to Open. The interest rate and maturity date of 18 Month IRAs are established on the date of issue or renewal, with the interest rate (or index) guaranteed for the initial term. The Variable IRAs rate is based on the most recent auction yield of the 2 Yr US Treasury Note adjusted quarterly on the first calendar day of the quarter (index). All IRAs may be subject to fees which would reduce earnings. Early withdrawal penalties may be imposed on all IRAs. |
| * Annual Percentage Yield (APY) |
Certificates of Deposit
|
| Term of Deposit |
Interest Rate |
APY * |
| 3 Months |
|
|
Under $5,000 |
1.95 |
1.97 |
$5,000 - $20,000 |
2.10 |
2.12 |
$20,000 & over |
2.25 |
2.28 |
| 6 Months |
|
|
Under $5,000 |
2.05 |
2.07 |
$5,000 - $20,000 |
2.20 |
2.22 |
$20,000 & over |
2.35 |
2.38 |
| 12 Months |
|
|
Under $5,000 |
2.20 |
2.22 |
$5,000 - $20,000 |
2.35 |
2.38 |
$20,000 & over |
2.50 |
2.53 |
| 18 Months |
|
|
Under $5,000 |
2.30 |
2.33 |
$5,000 - $20,000 |
2.45 |
2.48 |
$20,000 & over |
2.60 |
2.63 |
| 24 Months |
|
|
Under $5,000 |
2.50 |
2.53 |
$5,000 - $20,000 |
2.65 |
2.69 |
$20,000 & over |
2.80 |
2.84 |
| 30 Months |
|
|
Under $5,000 |
2.80 |
2.84 |
$5,000 - $20,000 |
2.95 |
2.99 |
$20,000 & over |
3.10 |
3.15 |
| 36 Months |
|
|
Under $5,000 |
2.90 |
2.94 |
$5,000 - $20,000 |
3.05 |
3.10 |
$20,000 & over |
3.20 |
3.25 |
| 48 Months |
|
|
Under $5,000 |
2.90 |
2.94 |
$5,000 - $20,000 |
3.05 |
3.10 |
$20,000 & over |
3.20 |
3.25 |
| $1,000.00 Minimum Deposit to Open. The interest rate and maturity date of Certificates of Deposit are established on the date of issue or renewal, with the interest rate (or index) guaranteed for the initial term. Certificates of deposits may be subject to fees which would reduce earnings. Early withdrawal penalties may be imposed on certificates. |
| * Annual Percentage Yield (APY) |
|
