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| Account Type | Opening | Min. Balance | Service Charge ± | APY* |
| Basic Checking | $25 | $0 | $3.00 + $0.50 per debit over 8 | N/A |
| Regular Checking | $25 | $500 | $5.00 | N/A |
| NOW Account | $25 | $1,000 | $7.00 | 0.20% |
| College Checking (Ages 17-24) | $25 | $50 | $2.00 | 0.20% |
| Business Checking | $100 | $2,500 | $15.00 | N/A |
| Business Checking w/ Interest | $100 | $2,500 | $25.00 | 0.20% |
*All interest rates and product terms are offered effective 5/12/09 and are subject to change without notice. Fees could reduce earnings in the account. See GRB representative for other terms and conditions of each account type.
± Monthly charge applies only if the account falls below the average minimim daily balance.
Savings Accounts
| Account Type | Opening | Min. Balance | Service Charge ± | APY* |
| Statement Savings | $25 | $100 | $5 | 0.35% |
| Statement Savings Junior (Ages 17 & under) |
$25 | $25 | $1 | 0.35% |
*All interest rates and product terms are offered effective 5/12/09 and are subject to change without notice. Fees could reduce earnings in the account. See GRB representative for other terms and conditions of each account type.
± Effective August 1, 2010, monthly service charge will apply if the average monthly balance falls below the account minimum.
Money Market Accounts
| Avg Monthly Balance | Opening | Min. Balance to Obtain APY | Interest Rate | APY* |
| $2,500 - $9,999.99 | $2,500 | $2,500 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | $2,500 | $10,000 | 0.25% | 0.25% |
| $25,000 - $49,999.99 | $2,500 | $25,000 | 0.45% | 0.45% |
| $50,000 and greater | $2,500 | $50,000 | 0.75% | 0.75% |
*All interest rates and product terms are offered effective 5/12/09 and are subject to change without notice. A $10.00 monthly fee will be assessed for any month that the average balance falls below $2,500. A fee of $5.00/transaction assessed for all transactions over 6 each month. Fees could reduce earnings in the account. See GRB representative for other terms and conditions of each account type.
Certificates of Deposit
| Term | Opening to Obtain APY* | Interest Rate** | APY |
| 7 to 31 Days | $500 | 0.25% | 0.25% |
| 32 Days to 5 Months | $500 | 0.25% | 0.25% |
| 6 to 11 Months | $500 | 0.40% | 0.40% |
| 12 to 17 Months | $500 | 0.90% | 0.90% |
| 17 Month Special | $500 | 1.24% | 1.25% |
| 18 to 23 Months | $500 | 1.09% | 1.10% |
| 24 to 29 Months | $500 | 1.19% | 1.20% |
| 30 to 35 Months | $500 | 1.34% | 1.35% |
| 36 to 47 Months | $500 | 1.59% | 1.60% |
| 48 to 59 Months | $500 | 1.83% | 1.85% |
| 60 Months + | $500 | 2.08% | 2.10% |
| 24 Month Variable | $500 | 1.62% | 1.63% (50% of 3.25% prime rate) |
| 48 Month Variable | $500 | 2.09% | 2.11% (65% of 3.25% prime rate) |
*APY - Annual Percentage Yield.
**Additional 0.25% (APY) given during the initial term of CDs with Direct Depsit of payroll or retirement income into a GRB account.
All interest rates and product terms are offered effective 12/15/09 and are subject to change without notice. Substantial penalties may be imposed for early withdrawal. Such fees could reduce earnings in the account. See GRB representative for other terms and conditions of each account type.
Health Savings Accounts
| Daily Balance | APY* |
| $0 to $2,499.99 | 0.25% |
| $2,500 to $4,999.99 | 0.35% |
| $5,000 to $9,999.99 | 0.60% |
| $10,000 to $24,499.99 | 0.90% |
| $25,000 and up | 1.15% |
*All interest rates effective 11/13/09 and are subject to change without notice.
Term Loans
| Loan Type | Fixed Interest Rate (APR) | Term (Months) | Loan Amount |
| New Auto | 7.00% | 12-60 | $2,000-$50,000 |
| Used Auto | 7.00% | 12-48 | $2,000-$30,000 |
| Boats & RVs (New Only) | 8.50% | 12-120 | $2,000-$50,000 |
| Personal Unsecured | 11.00% | 12-36 | $2,000-$7,500 |
| Personal Secured | GRB CD Rate + 3.00%* | 12-60 | $2,000-$35,000 |
| Home Improvement | 8.75% | 12-60 | $2,000-$10,000 |
| Overdraft Protection | 16.00% | Revolving | $300-$2,500 |
* If secured by GRB deposits or marketable securities, interest rate will be fixed at 3.00% over the GRB CD rate of the same length as the loan term.
The above rates may be lowered an additional 1.00% with auto-deduction of the payments from a GRB deposit account (HELOC and Ready Reserve excluded). Rates are subject to change.
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Business Financing |
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Real Estate Financing |
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Cash Management |
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Deposit Accounts |
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Health Savings Account |
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Specialty Services |
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GRBonline |
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Virtual Check Deposit |
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Current Rates |
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