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Certificates of Deposit
 Savings Rates
 NOW Account
 Money Market

 

Specials

 

 

 

 

 

 

 

13 MONTH CD

0.65% APY*

0.65% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit

 

 

 

 

 

 


18 MONTH CD

0.85% APY*

0.85% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit

 

 

 
 

 

 

*Annual Percentage Yields are effective July 27th, 2010. Rates are subject to change at anytime. Minimum deposit of  $2500 required to obtain APY depending on term. Maximum deposit for the above Certificates of Deposit is $1,000,000.00. Penalties maybe imposed for early withdrawals. Fee may reduce earning on the account. Offer maybe changed, adjusted or terminated at anytime without prior notice.   

FDIC Transaction Account Guarantee Program

AJ Smith Federal Savings Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under this program, through December 31, 2013, all non-interest-bearing transaction accounts and NOW accounts with an interest rate of 0.25% or less are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

 

 

 

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New Deposit Insurance Limits

Effective July 21, 2010, the FDIC has permanently increased the amount of standard deposit insurance to a maximum of $250,000.  The $250,000 applies per depositor, per depository institution for each account ownership category.