| All rates are subject to change without notice. Please contact your local branch for confirmation of rates before transferring any money. |
All rates are subject to change without notice. Certificate and money market dividends paid and compounded monthly. Substantial penalty for early certificate redemption. All accounts are federally insured to at least $100,000 by the FDIC, a U.S. government agency.
All rates stated as Interest Rate and Annual Percentage Yield (APY). Rates are effective July 7, 2008
Special CD Rates |
7 month CD 4.025% RATE 4.10% APY* |
12 month CD 4.266% RATE 4.35% APY* |
Savings Program
Regular Shares and Club Accounts
Anticipated interest rates for the current quarter
| INTEREST RATE | APY* | AVERAGE DAILY BALANCE |
| 0.75% | 0.75% | No minimum balance |
Dividends paid and compounded quarterly on the average daily balance.
Monthly dues may affect yield.
Money Market Account
| INTEREST RATE | APY* | AVERAGE DAILY BALANCE |
| 0.75% | 0.75% | $50.00 - $1,999.99 |
| 0.85% | 0.85% | $2,000 - $24,999.99 |
| 1.24% | 1.25% | $25,000 - $49,999.99 |
| 1.98% | 2.00% | $50,000 - $74,999.99 |
| 2.47% | 2.50% | $75,000 + |
Initial minimum deposit of $2,000.00.
Dividends paid and compounded monthly on the average daily balance.
Excess withdrawals may reduce yield.
Certificate of Deposit Program
| MINIMUM DEPOSIT NUMBER OF MONTHS |
$1,000 INTEREST RATE |
APY* |
$10,000 INTEREST RATE |
APY* |
$50,000 INTEREST RATE |
APY* |
| 12 Months | 2.23% |
2.25% |
2.47% |
2.50% |
2.72% |
2.75% |
| 18 Months | 2.72% |
2.75% |
2.96% |
3.00% |
3.20% |
3.25% |
| 24 Months | 2.81% |
2.85% |
3.06% |
3.10% |
3.30% |
3.35% |
| 36 Months | 2.96% |
3.00% |
3.20% |
3.25% |
3.44% |
3.50% |
| 48 Months | 3.20% |
3.25% |
3.44% |
3.50% |
3.69% |
3.75% |
| 60 Months | 3.20% |
3.25% |
3.44% |
3.50% |
3.69% |
3.75% |
Individual Retirement Accounts (IRA)
| TYPE OF ACCOUNT | INTEREST RATE | APY* |
| Regular | 2.97% | 3.00% |
| Roth | 2.97% | 3.00% |
| Conversion | 2.97% | 3.00% |
IRA & Roth IRA Certificates
| NUMBER OF MONTHS | INTEREST RATE | APY* |
| 18 Months | 3.44% | 3.50% |
| 36 Months | 3.69% | 3.75% |
| 60 Months | 3.93% | 4.00% |
† Rates are subject to change without notice.