Mortgage Loans
 Home Equity Loans
Line of Credit
Consumer Loans

  

Certificates of Deposit
 Savings Rates
 NOW Account
 Money Market

 

Specials

 

 

 

 

 

9 MONTH CD

1.00% APY*

1.00% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit

 

 

 

 

13 MONTH CD

1.35% APY*

1.34% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit

 

 

18 MONTH CD

1.40% APY*

1.39% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit

 


18 MONTH CD
New Money Only
$50,000.00 Minimum Deposit
1.60% APY*
1.59% RATE
In addition open a NEW Checking Account with Direct Deposit and receive
1.50% APY*
1.49% RATE

 

 

 

 

30 MONTH CD

1.90% APY*

1.88% RATE

 

New Money Only

 

$2,500.00

Minimum Deposit 

 
 

 

 

*Annual Percentage Yields are effective March 9th, 2010. Rates are subject to change at anytime. Minimum deposit of  $2500 or $50,000 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.  Checking Accounts on record during past 90 days do not qualify.  Direct deposit must take place within first 60 days or special rate will be reduced to rate without Checking Account. 

FDIC Transaction Account Guarantee Program

AJ Smith Federal Savings Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under this program, through June 30, 2010, all non-interest-bearing transaction accounts and NOW accounts with an interest rate of 0.5% 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

On October 3, 2008 Congress Temporarily

Increased FDIC Deposit Insurance

from $100.000 to $250,000 per Depositor

through December 31, 2013