The Baldwin State Bank

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.

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