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Rates

Deposit Rates

Deposit Rates Effective as of July 06, 2008 and are subject to change without notice.

APY is defined to mean Annual Percentage Yield

Personal Accounts
  Minimum
Balance to
Open		 Minimum
Balance to
Earn APY		 Interest Rate APY
Checking with Interest1 $1,000.00 $1,000.00 0.15% 0.15%
Relationship Checking1 $25.00 $0.01 0.15% 0.15%
         
Personal Statement Savings2 $25.00 $0.01 0.50% 0.50%
Passbook Savings3 $25.00 $0.01 0.40% 0.40%
School Savings2     $1.00 $0.01 0.75% 0.75%
Holiday and Vacation Club4 $5.00 $5.00 0.75% 0.75%
         
Savings Plus2, 10 $25.00      
$0.01 to $2,499.99   $0.01 1.73% 1.75%
$2,500.00 to $9,999.99   $2,500.00 1.73% 1.75%
$10,000.00 to $24,999.99   $10,000.00 1.73% 1.75%
$25,000.00 to $49,999.99   $25,000.00 1.73% 1.75%
$50,000.00 to $99,999.99   $50,000.00 1.73% 1.75%
$100,000.00 and over   $100,000.00 1.73% 1.75%
         
Relationship Savings2, 10 $25.00      
$0.01 to $2,499.99   $0.01 2.23% 2.25%
$2,500.00 to $9,999.99   $2,500.00 2.23% 2.25%
$10,000.00 to $24,999.99   $10,000.00 2.23% 2.25%
$25,000.00 to $49,999.99   $25,000.00 2.23% 2.25%
$50,000.00 to $99,999.99   $50,000.00 2.23% 2.25%
$100,000.00 and over   $100,000.00 2.23% 2.25%
         
Premier Personal Money Market2 $2,500.00      
$0.01 to $2,499.99   $0.01 0.40% 0.40%
$2,500.00 to $9,999.99   $2,500.00 0.50% 0.50%
$10,000.00 to $24,999.99   $10,000.00 0.80% 0.80%
$25,000.00 to $49,999.99   $25,000.00 0.90% 0.90%
$50,000.00 to $99,999.99   $50,000.00 1.39% 1.40%
$100,000.00 and over   $100,000.00 1.73% 1.75%
         
Health Savings Account 1 $25.00      
$0.01 to $999.99   $0.01 0.40% 0.40%
$1,000.00 to $4,999.99   $1,000.00 1.73% 1.75%
$5,000.00 and over   $5,000.00 2.23% 2.25%


Business Accounts
  Minimum
Balance to Open		 Minimum
Balance to
Earn APY		 Interest Rate APY
Business Checking with Interest5 $1,000.00 $1,000.00 0.15% 0.15%
Business Statement Savings2 $100.00 $0.01 0.50% 0.50%
         
Business Relationship Savings2, 10 $100.00      
$0.01 to $2,499.99   $0.01 2.23% 2.25%
$2,500.00 to $9,999.99   $2,500.00 2.23% 2.25%
$10,000.00 to $24,999.99   $10,000.00 2.23% 2.25%
$25,000.00 to $49,999.99   $25,000.00 2.23% 2.25%
$50,000.00 to $99,999.99   $50,000.00 2.23% 2.25%
$100,000.00 and over   $100,000.00 2.23% 2.25%
         
Business Money Market2 $2,500.00      
$0.01 to $2,499.99   $0.01 0.40% 0.40%
$2,500.00 to $9,999.99   $2,500.00 0.50% 0.50%
$10,000.00 to $24,999.99   $10,000.00 0.80% 0.80%
$25,000.00 to $49,999.99   $25,000.00 0.90% 0.90%
$50,000.00 to $99,999.99   $50,000.00 1.39%  1.40%
$100,000.00 to $249,999.99   $100,000.00 1.73% 1.75%
$250,000.00 to $499,999.99   $250,000.00 1.98% 2.00%
$500,000.00 to $999,999.99   $500,000.00 2.23% 2.25%
$1,000,000.00 and over   $1,000,000.00 2.23% 2.25%
         
Lawyer's Trust Account6 $1,000.00 $0.01 0.15% 0.15%
Real Estate Brokers Trust Acct6 $1,000.00 $0.01 0.15% 0.15%
Landlord Rental Savings7 $100.00 $0.01 1.50% 1.51%


Certificates of Deposit - Personal and Business
Term Minimum
Balance to
Open		 Minimum
Balance to
Earn APY		 Interest Rate APY
30 to 89 Days8 $1,000.00 $1,000.00 1.25% 1.26%
3 to 5 Months8 $1,000.00 $1,000.00 1.25% 1.26%
6 to 11 Months8 $1,000.00 $1,000.00 2.47% 2.50%
12 to 17 Months8 $1,000.00 $1,000.00 2.23% 2.25%
15 Months8 $1,000.00 $1,000.00  2.23%  2.25%
16 Month Step-Up8 $1,000.00 $1,000.00 2.23% 2.25%
18 to 23 Months8 $1,000.00 $1,000.00 3.20% 3.25%
2 Year Variable Rate9 $1,000.00 $1,000.00 1.75% 1.77%
24 to 35 Months8 $1,000.00 $1,000.00 3.44% 3.50%
36 to 47 Months8 $1,000.00 $1,000.00 3.92% 4.00%
48 to 59 Months8 $1,000.00 $1,000.00 3.92% 4.00%
60 Months8 $1,000.00 $1,000.00 3.92% 4.00%


Individual Retirement Account (IRA) Certificates of Deposit
Term Minimum
Balance to
Open		 Minimum
Balance to
Earn APY		 Interest Rate APY
12 to 17 Months8 $500.00 $500.00 2.23% 2.25%
16 Month Step-Up8 $500.00 $500.00 2.23% 2.25%
18 Month8 $500.00 $500.00 3.20% 3.25%
18 Month Multi8 $500.00 $500.00 3.20% 3.25%
2 Year Variable Rate9 $500.00 $500.00 1.75% 1.77%
24 to 35 Months8 $500.00 $500.00 3.44% 3.50%
36 to 47 Months8 $500.00 $500.00 3.92% 4.00%
48 to 59 Months8 $500.00 $500.00 3.92% 4.00%
60 Months8 $500.00 $500.00 3.92% 4.00%

1 Interest is compounded daily and credited monthly. The interest rate is variable and subject to change at our discretion. A monthly service charge and/or per check or ACH fee may apply except for Health Savings Accounts. Health Savings Accounts are only available to individuals covered by a High Deductible Health Plan (HDHP).

2 Interest is compounded daily and credited monthly. The interest rate is variable and subject to change at our discretion. Transaction limitations apply.

3 Interest is compounded daily and credited quarterly. The interest rate is variable and subject to change at our discretion. Transaction limitations apply.


4 Interest is compounded daily and credited at the end of the club term. Transaction limitations apply. Automatic deposits are required to be made by ACH or EFT.

5 Only available to Sole Proprietorships or Non-Profit Organizations. Interest is compounded daily and credited monthly. The interest rate is variable and subject to change at our discretion. A monthly service charge and/or ACH fee may apply.

6 Interest is compounded daily, credited monthly and paid to the State Agency designated by the statute. The interest rate is variable and subject to change at our discretion.

7 Interest is compounded daily and credited monthly. The interest rate is variable and subject to change at our discretion. Transaction limitations apply. Transactions can only be made by the landlord.

8 Interest is compounded daily and credited monthly. The interest rate is fixed and will not change until maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty for early withdrawal may be imposed. Transaction limitations apply. If you have a 16 Month Step-Up, you may exchange the interest rate on your account one time during the term upon written request for the 16 Month Step-Up Certificate rate currently offered. The 7 Month Certificate Special is a limited time offer. The 18 Month Multi IRA Certificate will accept additional contributions, rollovers and transfer deposits during the term.

9 Interest is compounded daily and credited on the last day of each month. The interest rate is variable and may change on the 1st day of each calendar quarter. The annual percentage yield assumes the interest rate does not change and the interest will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty for early withdrawal may be imposed. Transaction limitations may apply. Limited time offer.

10 Available for new money only, that is, funds that are not currently on deposit in Salisbury Bank and Trust Company. To obtain the APY, Savings Plus requires a linked Free Checking account with the same signers and combined statement.  To obtain the APY, Relationship Savings requires a linked Relationship Checking account with the same signers and combined statement.

Fees may reduce earnings on accounts.  

Please see a Customer Service Representative for a Truth in Savings Disclosure on any of the above accounts, for further explanation of fees or transaction limitations that may apply.