The Baldwin State Bank has a 1-year certificate of deposit (CD) with a 1.51% annual percentage yield (APY) for balances of $20,000 and up. Other CD rates for 1-year deposits are 1.36% for deposits of $5,000 to $20,000 and 1.16% for under $5,000. Other tiered CD rates and terms include:

• 3 months - 0.85 APY for $20,000 and up, 0.7% APY for $5,000 to $20,000, and 0.55% APY for under $5,000
• 6 months - 1.06% APY for $20,000 and up, 0.9% APY for $5,000 to $20,000, and 0.75% APY for under $5,000
• 18 months - 1.56% APY for $20,000 and up, 1.41% APY for $5,000 to $20,000, and 1.26% APY for under $5,000
• 24 months - 1.87% APY for $20,000 and up, 1.71% APY for $5,000 to $20,000, and 1.56% APY for under $5,000
• 30 months - 2.07% APY for $20,000 and up, 1.92% APY for $5,000 to $20,000, and 1.77% APY for under $5,000
• 36 months - 2.48% APY for $20,000 and up, 2.33% APY for $5,000 to $20,000, and 2.17% APY for under $5,000
• 48 months - 2.69% APY for $20,000 and up, 2.53% APY for $5,000 to $20,000, and 2.38% APY for under $5,000

CD rates are current as of Aug. 30, 2010. CDs require a minimum of $1,000 to open. Early withdrawals are subject to penalties. The bank is based in Baldwin City, Kan.

Farmers State Bank has an e-checking account that earns 3.51% annual percentage yield (APY) on balances up to $25,000. You can open the free checking account at one of the three Minnesota locations. Details of the offer include:

• Balances over $25,000 earn 1.01% APY
• $25 minimum opening deposit
• Up to $25 in ATM fees refunded each month
• No monthly fees
• Personal checking account customers only

To earn the 3.51% APY bank rate, you must make 10 Shazam Check Card purchases each month and one automatic payment/transfer or direct deposit. You also must access Internet banking at least once a month and receive e-statements. The bank rate (current as of Aug. 1, 2009) is the normal rate for the checking account, but can change depending upon market conditions. If you don’t meet the requirements, the interest rate on the checking account is 0.1% APY.

Farmers State Bank has other checking accounts available. The Simple Checking is a free account that requires $25 to open and does not earn interest. Growth Checking requires $1,000 to open and has competitive interest rates. Classic Checking requires $500 to open and has no monthly minimum balance requirement.

Princeville State Bank has a high-interest checking account that offers 3.51% annual percentage yield (APY) on balances up to $25,000. Balances over $25,000 earn 0.5% APY. The Kasasa Cash checking account has no minimum opening balance requirement and no monthly fee. Other details of the account include:

• Unlimited check writing
• ATM fees up to $20 refunded each month
• No minimum balance requirement
• Free Visa debit card
• Free online banking with bill pay
• Direct deposit is available
• Insured by Federal Deposit Insurance Corp. (FDIC)

To qualify for the best bank rates and ATM refunds, you must make 10 debit card transactions per statement cycle. You also must set up one recurring automatic deposit and receive electronic statements. If you don’t qualify for the best bank rates during any statement cycle, you earn the base rate of 0.05% APY on your balance

Princeville State Bank, based in Princeville, Ill. also has a Kasasa Saver, a savings account that is linked to the Kasasa Cash checking account. Kasasa Saver earns 1.75% APY on balances up to $100,000 and 0.5% on balances over $100,000. If you don’t meet the qualifications for the account, the savings rate is 0.05% APY. The savings account has no minimum balance requirement or monthly fee.

Open a KeyBank checking account and you may qualify for a free Sony bloggie, a pocket-sized camera that captures high definition MP4 video and 5 mega pixel images that you can upload directly to the Web to share on sites such as YouTube. The deal is only for people who open new checking accounts by Oct. 8, 2010.

Only individuals who live in Cleveland, Eastern Ohio, Idaho, Western New York, Oregon, Seattle Cascades, South Puget Sound, Central New York, Rochester, Maine, Northwest Ohio, Michigan, Capital Region New York, and Hudson Valley New York can qualify for the promotion. Customers can open accounts at local banks, by phone, or at www.key.com. Checking accounts opened at KeyDirect.com are not eligible for the offer.

The following personal checking accounts are eligible for the promotion:

• Key Express Free Checking
• Key Coverage Checking
• Key Advantage Checking
• Key Privilege Checking
• Key Privilege Select Checking

Business checking accounts eligible for the promotion are:

• Key Business Free Checking
• Key Business Reward Checking
• Key Business Checking
• Key Business Money Market Checking
• Key Business Sweep Checking

To qualify for the Sony bloggie, checking customers must make one transaction with a KeyBank Debit MasterCard and a combination of two direct deposits and/or automated payments of $100 each by December 12, 2010.

Dollar Bank has a savings rate of 2% annual percentage yield (APY) on balances up to $20,000. The FreeMoney Savings must be linked to a FreeMoney Checking or e-Checking account, which are free checking accounts. Other details of the savings account include:

• $50 minimum to open
• No monthly service charge
• No minimum balance
• Insured by Federal Deposit Insurance Corp. (FDIC)

Interest on the FreeMoney Savings is subject to change so check with the bank for current savings rates. Interest is compounded and credited monthly. When non-cash deposits, such as checks, are made, interest begins to accrue the same day.

The FreeMoney Checking and e-Checking accounts earn up to $150 each year in rewards. You can earn 10 cents each time you sign for a debit purchase with a MasterCard. You can earn 5 cents for each bill paid online and get free access to more than 37,000 ATMs. The checking account requires a $50 minimum to open. The checking accounts also offer unlimited check writing and 50% off checks. The account also offers immediate access to direct deposits.

Dollar Bank operates more than 60 branches and loan centers in the Pittsburgh and Cleveland metropolitan areas.