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Share
Rates $25 minimum investment |
Rates
are effective as of October 1, 2011. Rates and other
terms may change at any time without prior notice.
A penalty is imposed for early withdrawal. Fees
could reduce earnings on the account. |
Account
Type |
Minimum
Opening
Deposit |
Minimum
Balance
to Earn APY** |
Dividend
Rate
(APR *) |
Annual
Percentage
Yield (APY**) |
Dividends
will be compounded quarterly and will be credited
quarterly. Average Daily Balance. |
Regular
Share Account /
Special
Share/Savings Account |
$25.00
|
$5.00 - $499.99
$500.00 - $1,999.99
$2,000.00 - up
|
0.10%
0.15%
0.20% |
0.10%
0.15%
0.20% |
Christmas
Club Share Account |
-- |
No
minimum required |
0.10% |
0.10% |
IRA
Savings Account
|
$25.00 |
$100 - $5,000.00
$5,000.01 - $10,000.00
$25,000.01 - $50,000.00
$50,000 + |
0.35%
0.35%
0.35%
0.35% |
0.35%
0.35%
0.35%
0.35% |
Regular
Checking
|
$50.00 |
$0.00 and up |
0.05%
|
0.05% |
Dividends
will be compounded monthly and will be credited
quarterly. Average Daily Balance. |
Money
Market Savings
|
$2,500.00 |
$2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and UP |
0.30%
0.30%
0.35%
0.40%
0.40% |
0.30%
0.30%
0.35%
0.40%
0.40% |
*APR
= Annual Percentage Rate
**APY = Annual Percentage Yield. Annual percentage
yield assumes dividend remains on deposit. Withdrawals
of dividend will reduce earnings.
For additional information regarding the above
accounts, please refer to the Fee
Schedule/Truth In Savings Account Terms Statement. |
Share Certificates & IRA Certificates |
Rates
are effective as of October 1, 2011. Rates and other
terms may change at any time without prior notice.
*$1,000.00 minimum required to open Share or IRA
Certificate. After your certificate is opened,
the dividend rate is fixed for the term. A penalty
is imposed for early withdrawal. Fees could reduce
earnings on the account.
Dividends
will be compounded monthly and will be credited
monthly.
If
you close your share account before dividends
are paid, you will not receive the accrued dividends.
|
Terms |
Minimum
Opening Deposit |
Dividend
Rate (APR*) |
Annual
Percentage Yield (APY**) |
SHARE
CERTIFICATES |
|
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3
months |
$1,000.00 |
0.25% |
0.25% |
6 months |
$1,000.00 |
0.25% |
0.25% |
1
year |
$1,000.00 |
0.40% |
0.40% |
2
years |
$1,000.00 |
0.60% |
0.60% |
3
years |
$1,000.00 |
0.75% |
0.75% |
4
years |
$1,000.00 |
1.00% |
1.00% |
5
years |
$1,000.00 |
1.25% |
1.26% |
IRA
CERTIFICATES |
|
|
|
3
months |
$1,000.00 |
0.25% |
0.25% |
6 months |
$1,000.00 |
0.25% |
0.25% |
1
year |
$1,000.00 |
0.40% |
0.40% |
2
years |
$1,000.00 |
0.60% |
0.60% |
3
years |
$1,000.00 |
0.75% |
0.75% |
4
years |
$1,000.00 |
1.00% |
1.00% |
5
years |
$1,000.00 |
1.25% |
1.26% |
Note: $1,000.00 Minimum and Penalty for early withdrawal
*APR
= Annual Percentage Rate
**APY = Annual Percentage Yield. Annual percentage
yield assumes dividend remains on deposit. Withdrawals
of dividend will reduce earnings.
* For additional information regarding the above
accounts, please refer to the Fee
Schedule/Truth In Savings Account Terms Statement.
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