Annual percentage yields are effective as of June 22, 2006. Rates advertised require both the purchase of the Special CD, as well as, ownership or opening of a Free Checking with Interest account. CD minimum deposit to open is $5,000 new dollars. Specials apply to retail deposits up to $100,000 per account. Substantial penalty for early withdrawal from CD. Free Checking with Interest earnings are paid monthly on average balance of $2,000 or greater. 3.00% APY on Free Checking with Interest paid through 01/01/2007, then resets to the advertised rate as of that date. Limited time offer. Member FDIC.