Effective From: 1-1-2009 through 1-7-2009
Certificates of Deposit
Minimum Balance / Opening Deposit $50,000
| Term | Interest Rate | APY * |
| 9 months | 0.60% | 0.60% |
| 12 months | 2.05% | 2.07% |
| 18 months | 2.05% | 2.07% |
| 24 months | 2.05% | 2.07% |
| 36 months | 2.15% | 2.17% |
| 48 months | 2.15% | 2.17% |
| 60 months | 2.25% | 2.27% |
* Annual Percentage Yield
The minimum balance/opening deposit for Prestige Accounts is $50,000.00. 9 month to 60 month terms available. Interest is earned daily and paid monthly, quarterly, semi-annually and annually, or added to the balance and compounded monthly. These accounts automatically renew at maturity at Fireside’s then prevailing interest rates. At maturity, account owners(s) have a seven (7) day grace period to make changes or withdrawal without a penalty.
A substantial penalty for early withdrawal may be imposed. The Deposit Account Agreement and Disclosure is available for additional information about policies regarding Fireside’s deposit accounts and about early withdrawal penalties.
Penalties for Early Withdrawal
Term of 12 months or less: lesser of 90 days interest or all earned interest from date of issuance. Term more than 12 months: lesser of 180 days interest or all earned interest from date of issuance.
FDIC Coverage
Please be aware that all Fireside Bank branch offices and other facilities are in fact part of the same FDIC insured institution. Deposits held at more than one branch location or facilities are not separately insured.