| Savings
& Money Market Dividend
Rates |
| Effective 07/01/09 |
| Description |
Min.
Opening Balance |
Min.
Balance
for Dividends |
APR |
APY |
Minimum
Balance to Avoid Fees |
Savings
Account |
$2 |
$25 |
0.25%
|
0.25% |
$1 |
| Cookie
Jar |
$1 |
$25 |
0.25% |
0.25% |
$1 |
| Holiday
Club / Summer Club |
$1 |
All
Balances |
0.25% |
0.25% |
$1 |
IRA
Share
Account |
$25 |
$25 |
0.25% |
0.25% |
$25 |
Tiered Money Market Account |
|
$2,500 -$9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 & Over
|
0.50%
0.60%
0.70%
1.00%
1.34%
1.34%
|
0.50%
0.60%
0.70%
1.00%
1.35%
1.35%
|
$2,500 |
| Share
Certificates |
| Effective 07/01/09
|
| |
Min.
Opening Balance |
Less
than
$100,000 |
$100,000
to
$250,000 |
Over
$250,000 |
|
|
|
Rate |
APY |
Rate |
APY |
Rate |
APY |
| 3 months* |
$1000 |
0.89% |
0.90% |
0.99% |
0.99% |
1.09% |
1.10% |
| 6
months* |
$1000 |
1.19% |
1.20% |
1.29% |
1.30% |
1.39% |
1.40% |
| 7
months* |
$1000 |
1.19% |
1.20% |
1.29% |
1.30% |
1.39% |
1.40% |
| 9
months Flex.* |
$500 |
0.90% |
0.90% |
0.90% |
0.90% |
0.90% |
0.90% |
| 1 year * |
$1000 |
1.39% |
1.40% |
1.49% |
1.50% |
1.59% |
1.60% |
| 13
months* |
$1000 |
1.39% |
1.40% |
1.49% |
1.50% |
1.59% |
1.60% |
| 18 month Special* |
$1000 |
1.39% |
1.40% |
1.49% |
1.50% |
1.59% |
1.60% |
| 2
year* |
$1000 |
1.64% |
1.65% |
1.73% |
1.75% |
1.83% |
1.85% |
| 3
year* |
$1000 |
2.13% |
2.15% |
2.23% |
2.25% |
2.32% |
2.35% |
| 4
year* |
$1000 |
2.37% |
2.40% |
2.47% |
2.50% |
2.57% |
2.60% |
| 5
year* |
$1000
|
2.66%
|
2.70%
|
2.76%
|
2.80%
|
2.86%
|
2.90%
|
| IRA
Certificates - for Traditional,
Roth and Coverdell |
| Effective 07/01/09
|
| |
Min.
Opening Balance |
Less
than $100,000 |
$100,000
to $250,000 |
Over
$250,000 |
|
|
|
Rate |
APY |
Rate |
APY |
Rate |
APY |
| 1 year * |
$25 |
1.37% |
1.44% |
1.49% |
|
1.59% |
1.60% |
| 2
year * |
$25 |
1.66% |
1.67% |
1.74% |
1.75% |
1.84% |
1.85% |
| 3
year * |
$25 |
2.13% |
2.15% |
2.23% |
2.25% |
2.33% |
2.35% |
| 4
year * |
$25 |
2.38% |
2.40% |
2.48% |
2.50% |
2.57% |
2.60% |
| 5
year * |
$25 |
2.68% |
2.71% |
2.77% |
2.80% |
2.87% |
2.90% |
| 65
months * |
$25 |
2.68% |
2.71% |
2.77% |
2.80% |
2.87% |
2.90% |
|
Annual Percentage Yield = APY,
calculated based on $2,000 balance. |
| Dividend Checking |
| Daily Balance |
Rate |
APY |
| Below $4,999 |
0.00% |
0.00% |
| $5,000 - $9,999 |
0.15% |
0.15% |
| $10,000 - $24,999 |
0.30% |
0.30% |
| $25,000 - $49,999 |
0.45% |
0.45% |
| Over $50,000 |
0.70% |
0.70% |
Minimum balance of $5,000 is required to earn dividends.
Dividends calculated on average daily balance.
| All rates are subject to change. Savings (tiered) rates are set by the Board of Directors on a quarterly basis; all other rates (Money Markets & Certificates) are subject to change weekly. |
| |
*These accounts are subject to fees and penalties for early withdrawals.
**Must be new money.
Rates determined by the Money Fund Report Averages/Government and will be subject to weekly review.
|
| |
| All rates, fees, terms and conditions are subject to change. |
|
