*Annual Percentage Yield (APY) effective as May 6, 2008. Minimum deposit required to receive stated rate.  Minimum deposit of $500.00 or $2500 required to obtain the APY depending on the term.  APY assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Penalty may be applied for early withdrawal. Rates are good for New Money Only. Transfers from existing AJ Smith FSB accounts are not eligible for the special promotional rates. Promotional rates subject to change without notice. In order to receive special 3.25%APY on 7-month CD, you must open a new checking w/direct deposit of payroll or social security. Member FDIC. Maximum deposit is $1,000,000.00.