Rates effective as of 01/07/10
Deposit Rates
Type    APY
3 month Time Certificate of Deposit ($500 min) -----------------------------------------------------------------------------------------------------------    .60
6 month Time Certificate of Deposit ($500 min)-----------------------------------------------------------------------------------------------------------    1.20
9 month Time Certificate of Deposit (Special- $500 min) ------------------------------------------------------------------------------------------------    1.60
12 month Time Certificate of Deposit ($500 min) ----------------------------------------------------------------------------------------------------------    1.60
13 month Time Certificate of Deposit (Special - $500 min) ----------------------------------------------------------------------------------------------    1.80
18 month Time Certificate of Deposit (Special - $500 min) ----------------------------------------------------------------------------------------------    1.95
24 month Time Certificate of Deposit ($500 min)----------------------------------------------------------------------------------------------------------    2.00
30 month Time Certificate of Deposit ($500 min) ----------------------------------------------------------------------------------------------------------    2.00
36 month Time Certificate of Deposit ($500 min)----------------------------------------------------------------------------------------------------------    2.20
48 month Time Certificate of Deposit ($500 min)----------------------------------------------------------------------------------------------------------    2.25
60 month Time Certificate of Deposit ($500 min)----------------------------------------------------------------------------------------------------------    2.25
NOW Account Interest on Checking ($1,000 minimum). ------------------------------------------------------------------------------------    .25
Money Market Account ($2,500 minimum). ----------------------------------------------------------------------------------------------------    .50
Passbook Savings - ($100 minimum). ------------------------------------------------------------------------------------------------------------    .40
Passbook IRA (no minimum) -----------------------------------------------------------------------------------------------------------------------    1.79
IRA Time Certificates of Deposit (no minimum) -----------------------------------------------------------------------------------------------    choice of any above CD catagories, or Passbook
*See disclosures for above listed accounts (below). APY = Annual Percentage Yield.   
 
*These rates are effective on accounts accepted by the bank for the date as shown above. Rates are subject to change without notice. Rates may change after the account is open with the NOW, Money Market, Passbook Savings, and Passbook IRA accounts. All Time Certificates listed above are $500.00 minimum and minimum to open. Penalty for early withdrawal on Time Certificates of Deposit: Penalties for early withdrawal: (a) Forfeiture of three months interest for maturities of one year or less (b) Forfeiture of six months interest on maturities over one year. See complete disclosures for all types of accounts under the "Products" section. Fees on Transaction Accounts listed above (NOW, Money Market Account, Passbook Savings and Passbook IRA) may reduce earnings.
NOTICE: The Web site of the Harvard State Bank contains news and weather features that are provided to our customers from an outside source. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please contact us with any concerns or comments. The contents of this Web site are for informational and/or authorized customer use. Any unauthorized use of or access to this Web site or it's contents may be punishable by applicable laws.