Certificate of Deposit Rates
Effective as of April 1, 2009.
Term
Interest Rate
APY*
3 Month
0.50%
0.51%
6 Month
0.75%
0.753%
9 Month
0.75%
0.753%
12 Month
1.735%
1.75%
24 Month
1.735%
1.75%
36 Month
1.735%
1.75%
48 Month
1.981%
2.00%
60 Month
2.469%
2.50%
* APY = Annual Percentage Yield
$1,500 Minimum Deposit required to open a Special Certificate of Deposit
All other Certificate of Deposits are $1000.00 to open
A penalty may be assessed for early withdrawal.


SMARTGROWTH Certificate of Deposit Rates
Effective April 1, 2009
Term
Adjustment
Interest Rate
APY*
1 Year
Initial APY
1.48%
1.50%
First Adjustment
1.72%
1.75%
Second Adjustment
1.97%
2.00%
Third Adjustment
2.21%
2.25%
2 Year
Initial APY
1.23%
1.25%
First Adjustment
1.72%
1.75%
Second Adjustment
2.21%
2.25%
Third Adjustment
2.70%
2.75%
* APY = Annual Percentage Yield
1 year:
The interest rate adjusts up every 3 months

2 year:
The interest rate adjusts up every 6 months

Minimum deposit of $1,500.00 and must maintain (or open) a Bank of Currituck account. Maximum deposit $250,000.00 per household.


Member FDIC
The Bank of Currituck

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