| ADB Club Account |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $500 |
.20%
|
.20%
|
|
|
| Select Account |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $100 |
.20%
|
.20%
|
|
|
| Business NOW Account |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $1,500 |
.60%
|
.60%
|
|
|
| Health Savings Account |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $5 |
.20%
|
.20%
|
| Statement Savings |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $100 |
.40%
|
.40%
|
|
|
| Cow Bank Savings |
| Minimum to obtain APY |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $5 |
.40%
|
.40%
|
| Amount |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| $5,000 - $14,999 |
.60%
|
.60%
|
| $15,000 - $49,999 |
.80%
|
.80%
|
| $50,000 - $499,999 |
1.10%
|
1.11%
|
| $500,000 - Up |
1.30%
|
1.31%
|
| $500 minimum to obtain APY |
| Term |
Interest
Rate
|
Annual Percentage Yield (APY*)
|
| 3 Month |
.90%
|
.90%
|
| 6 Month |
1.30%
|
1.30%
|
| 12 Month |
1.80%
|
1.81%
|
| 18 Month |
1.90%
|
1.91%
|
| 24 Month |
2.10%
|
2.11%
|
| 30 Month |
2.20%
|
2.21%
|
| 36 Month |
2.50%
|
2.52%
|
| 48 Month |
2.90%
|
2.92%
|
| 60 Month |
3.10%
|
3.12%
|
Rates effective as of 1/4/2010
For variable rate accounts rates may change after account opening.
Account fees may reduce earnings.
Penalties may apply for early withdrawal of funds from Certificate of Time Deposit (CD) accounts.
Please refer to account disclosures at Adams Dairy Bank for more details.
The Annual Percentage Yield (APY) on Savings Accounts is based on interest compounding quarterly.
The APY on Checking and Money Market Accounts are based on interest compounding monthly.
The APY on Certificates of Time Deposit is based on interest compounding semi-annually. The APY assumes interest and principal will remain on deposit until maturity. A penalty may be imposed for early withdrawals.