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Savings rates and yields

The money market deposit account rates and yields and the certificate of deposit yields
were effective as of 6/24/96. Rates may change daily. They’re based on the smallest
opening deposit allowed. Annual yield on CDs indicates the effect of how the institution
compounds interest. The first figure is rate, the second is compounding method and the
third is annual yield.

INSTITUTION MM 6 Mo. 1 Yr. 2.5 Yr.

A.G. Edwards 4.75 S 4.75 NA NA NA
Advantage FCU 3.44 M 3.50 4.99 Y 5.05 5.21 Q 5.30 5.75 Q 5.85
Albion Fed. S&LA 3.00 D 3.09 4.67 D 5.85 4.91 D 5.10 4.91 D 5.10
Bank of Castile 2.00 M 2.02 4.15 D 4.24 4.40 D 4.50 4.70 D 4.81
Chase Manhattan 3.00 D 3.05 4.85 D 4.97 5.25 D 5.39 5.30 D 5.44
Citibank 3.05 D 3.10 4.88 D 5.00 5.12 D 5.25 NA
Curtice Burns C.U. NA 4.90 D 5.02 5.12 D 5.25 5.21 D 5.35
ESL Federal C.U. 3.45 M 3.50 4.96 Q 5.05 5.27 Q 5.37 5.87 Q 6.00
Edward Jones 4.46 S 4.56 5.25 Y 5.25 5.65 A 5.65 NA
Fairport S&LA 2.70 M 2.78 4.89 M 5.00 4.98 D 5.10 5.42 D 5.65
Finger Lakes FCU 3.50 W 3.56 4.90 M 5.01 5.00 Q 5.09 NA
First Federal 2.52 D 2.55 4.94 D 5.00 4.63 D 4.74 5.10 D 5.23
First National 2.28 M 2.30 4.70 M 4.80 4.94 M 5.05 5.84 M 6.00
Fleet Bank 2.75 D 2.78 3.15 D 3.20 3.40 D 3.46 4.00 D 4.08
Flower City FCU NA NA 5.10 Q 5.21 5.10 Q 5.21
Hilton Federal C.U. 3.30 M 3.35 5.01 Q 5.10 5.20 Q 5.30 5.39 Q 5.50
Irondequoit FCU NA 5.00 A 5.09 5.10 A 5.20 5.20 A 5.30
Key Bank 2.97 M 3.01 4.64 D 4.75 4.88 D 5.00 5.83 S 6.00
Lexington Ave. C.U. 3.54 D 3.60 4.78 D 4.90 5.07 D 5.20 5.26 D 5.40
Lockport Savings Bank 3.54 D 3.60 5.26 D 5.40 5.35 D 5.50 5.59 D 5.75
Lyndon Guaranty Bank NA 4.88 D 5.00 5.12 D 5.25 5.54 D 5.70
M&T Bank 2.96 M 3.00 4.64 D 4.75 5.12 D 5.25 5.59 D 5.75
Marine Midland 3.25 D 3.30 4.85 D 4.97 5.15 D 5.28 5.33 D 5.47
Medina Savings & Loan 3.54 D 3.60 5.12 D 5.25 5.35 D 5.50 5.71 D 5.88
Merrill Lynch 4.92 5.22 5.35 5.95
OnBank 2.90 D 2.94 4.88 D 5.00 5.13 D 5.26 5.38 D 5.53
Pavilion State Bank 3.25 Y 3.30 4.95 Y 5.07 5.15 Y 5.28 5.35 Y 5.50
Penfield Federal C.U. 3.20 D 3.25 4.64 D 4.75 5.12 D 5.25 5.35 D 5.50
Pittsford Federal C.U. 3.50 Q 3.54 5.10 M 5.10 5.50 M 5.50 5.80 M 5.80
Rochester Community 2.57 D 2.60 4.88 D 5.00 5.35 D 5.50 5.59 D 5.75
Roch. & Mon. Cty. Empl. 3.30 M 3.35 4.75 S 4.75 5.04 Q 5.04 5.30 Q 5.30
Roch. Postal Emp. C.U. 4.00 4.50 4.75 5.00
Rochester Ukrainian 3.75 D 3.82 4.90 Q 5.00 5.15 Q 5.26 5.50 Q 5.63
Smith Barney 4.72 W 4.72 4.10 W 4.10 4.52 W 4.52 5.02 W 5.02
Summit Fed. C.U. 3.05 D 3.10 4.97 D 5.10 5.21 D 5.35 5.87 D 6.05
WCTA Fed. C.U. 4.12 M 4.20 5.05 Q 5.15 5.44 Q 5.55 5.53 Q 5.65
Wegmans Fed. C.U. NA 5.35 Y 5.48 5.71 Y 5.86 6.18 Y 6.36
Wyoming County Bank 1.66 M 1.66 4.45 D 4.45 4.81 D 4.81 5.07 D 5.07
Xerox Fed. C.U. 3.71 5.14 5.29 NA

Key: C-continuously; D-daily; M-monthly; Q-quarterly; A-annually; B-semiannually; S-simple interest; W-weekly; Y-maturity;
NA-not available

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