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Certificates of Deposit
| Term |
Minimum Balance
to
Open and Obtain APY* |
Interest Rate |
APY* |
| 7 to 31 Days |
$500 |
1.49% |
1.50% |
| 32 Days to 5 Months |
$500 |
1.49% |
1.50% |
| 6 to 11 Months |
$500 |
1.74% |
1.75% |
| 12 to 17 Months |
$500 |
1.98% |
2.00% |
| 18 to 23 Months |
$500 |
2.18% |
2.20% |
| 24 to 29 Months |
$500 |
2.28% |
2.30% |
| 30 to 35 Months |
$500 |
2.28% |
2.30% |
| 36 to 47 Months |
$500 |
2.42% |
2.45% |
| 48 to 59 Months |
$500 |
2.76% |
2.80% |
| 60 Months + |
$500 |
2.96% |
3.00% |
| 24 Month Variable |
$500 |
2.594% |
2.625%
(50% of 5.25% prime rate) |
| 48 Month Variable |
$500 |
3.36% |
3.413%
(65% of 5.25% prime rate) |
* Annual Percentage Yield. **All interest rates & product terms are offered effective 05/02/08 and are subject to change without notice. Substantial penalties may be imposed for early withdrawal. Such
fees could reduce earnings in the account. See GRB representative for other terms & conditions of each account type. Ask about receiving an additional .25% (APY) during the initial term of your CD with Direct Deposit of payroll or retirement income into a GRB account.
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Checking
Options
| Account Type |
Minimum
Balance To Open |
Minimum Monthly Balance |
Monthly Service Charge |
APY* |
| Basic Checking |
$25 |
$0 |
$3.00 + $0.50 per debit over 8 |
N/A |
| Regular Checking |
$25 |
$500 Daily Balance or Direct Deposit |
$5.00 if average balance falls below minimum |
N/A |
| NOW Account |
$25 |
$1,000 Daily Balance or Direct Deposit |
$7.00 if average balance falls below minimum |
0.35% APY* |
| College Checking (Ages 17-24) |
$25 |
$50 Daily Balance |
$2.00 if average balance falls below minimum |
0.35% APY |
| Business Checking |
$100 |
$2,500 |
$15.00 if average balance falls below minimum |
N/A |
| Business checking with Interest |
$100 |
$2,500 |
$25.00 if average balance falls below minimum |
0.35% APY* |
* Annual Percentage Yield. **All interest rates & product terms are offered effective 3/29/07 and are subject to change without notice. Fees could reduce earnings in the account.
See GRB representative for other terms & conditions of
each account type.
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Savings
| Account Type |
Minimum
Balance To Open |
Minimum Daily Balance to earn interest |
Monthly Service Charge |
APY* |
| Statement Savings |
$25 |
$100 |
None |
0.70% APY* |
Statement Savings Junior
(Ages 17 & under) |
$25 |
$.01
|
$1/quarter if average balance falls below $25 |
0.70% APY* |
* Annual Percentage Yield. **All interest rates & product terms are offered effective 3/29/07 and are subject to change without notice. Fees could reduce earnings in the
account. See GRB representative for other terms & conditions
of each account type.
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Tiered Money
Market
| Average Monthly Balance |
Minimum Opening Deposit |
Minimum Balance
to Obtain APY |
Interest Rate |
APY* |
| $2,500.00 - 9,999.99 |
$2,500 |
$2,500 |
.50% |
.50% |
| $10,000.00 - 24,999.99 |
$2,500 |
$10,000 |
.70% |
.70% |
| $25,000.00 - 49,999.99 |
$2,500 |
$25,000 |
1.19% |
1.20% |
| $50,000.00 and greater |
$2,500 |
$50,000 |
1.49% |
1.50% |
* Annual Percentage Yield. **All interest rates & product terms are offered effective 3/19/08 and are subject to change without notice. A $10.00 monthly fee will be assessed for any month that the average balance falls below $2,500. A fee of $5.00/transaction assessed for all transactions over 6 each month. Fees could reduce earnings in the account. See GRB representative for other terms & conditions of each
account type.
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Consumer
Loan Rates
| Loan Type |
Interest Rate (APR) |
Term |
Loan Amount |
| New Auto |
6.00% Fixed |
12-60 months |
$2,000-$50,000 |
| Used Auto |
7.00% Fixed |
12-48 months |
$2,000-$30,000 |
Boats & RV’s
(New Only) |
8.00% Fixed |
12-120 months |
$2,000-$50,000 |
Personal
Unsecured
|
11.00% Fixed |
12-36 months |
$2,000-$7,500 |
Personal
Secured
|
GRB CD Rate+3.00%* Fixed |
12-60 months |
$2,000-$35,000 |
Home Improvement
|
7.75% Fixed |
12-60 months |
$2,000-$10,000 |
Overdraft Protection
|
16.00% Fixed |
Revolving |
$300-$2,500 |
APR-Annual Percentage Rate. The above rates may be lowered an additional 0.25% with auto-deduction of the payments from a GRB deposit account (HELOC & Ready Reserve excluded). Rates are subject to change.
* If secured by GRB deposits or marketable securities,
interest rate will be fixed at 3.00% over the GRB CD rate of the same
length as the loan term.
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