Rates

TIB Bank has competitive deposit and investment rates. We offer flexible terms to meet your different needs. Turn your piggy bank into your nest egg at TIB Bank. With our easy minimum deposit you can begin earning a maximum return on your investment.

Deposit Accounts

CD's

IRA's

Deposit Accounts
Account Name	Minimum Deposit to Open Account	Minimum Balance to Obtain APY	Interest Rate	Annual Percentage Yield
Business Interest Checking*	$50	Paid on collected balance	0.15	0.15
Business Indexed Interest Checking**	$50	$0 - 24.999.99	1.05	1.06
	$50	$25,000.00 - 49,999.99	1.15	1.16
	$50	$50,000 & over	1.25	1.26
Regular Savings	$50	$100	0.30	0.30
Jr. Student Savings	No Minimum	Paid on all balances	0.30	0.30
i-Yield Money Market	$50	$0 - 2,499.99	0.250	0.25
	$50	$ 2,500 - 9,999.99	0.499	0.50
	$50	$ 10,000 - 24,999.99	0.648	0.65
	$50	$ 25,000 - 49,999.99	0.748	0.75
	$50	$ 50,000 & over	1.243	1.25
Interest rates and Annual Percentage Yields are current as of: July 23, 2008 Fees could reduce earnings on these accounts. The rates may change after the account is open. * This Account is designed for sole proprietors, non-profit corporations, government and other selected entities as allowed by Federal Regulations. This Account is for non-profit organizations, and for qualified condominium and homeowner's associations. Return to top**

CD's
Account Type	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield
30 - 59 days	$1,000	2.079	2.10
60 - 89 days	$1,000	2.079	2.10
90 - 179 days	$1,000	2.177	2.20
180 - 364 days	$1,000	2.226	2.25
1 year (365 days)	$1,000	2.323	2.35
18 months	$1,000	2.372	2.40
2 years	$1,000	2.470	2.50
3 years	$1,000	2.519	2.55
5 years	$1,000	3.054	3.10
Interest rates and Annual Percentage Yields are current as of: July 23, 2008 Rates are subject to change weekly. A penalty may be imposed for early withdrawal. Special CD's are offered for a limited time only. Return to top

IRA's
Term - Fixed Rate	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield
Traditional IRA
1 year	$500	2.323	2.35
18 months	$500	2.372	2.40
2 years	$500	2.470	2.50
3 years	$500	2.519	2.55
5 years	$500	3.054	3.10
Roth IRA
1 year	$500	2.323	2.35
18 months	$500	2.372	2.40
2 years	$500	2.470	2.50
3 years	$500	2.519	2.55
5 years	$500	3.054	3.10
SEP
1 year	$500	2.323	2.35
18 months	$500	2.372	2.40
2 years	$500	2.470	2.50
3 years	$500	2.519	2.55
5 years	$500	3.054	3.10
Interest rates and Annual Percentage Yields are current as of: July 23, 2008 A penalty may be imposed for early withdrawal for ages under 59 1/2. Return to top