Effective July 1, 2010.
Rates subject to change without prior notice.
Annual Percentage Yield = APY
| Money Market Certificate |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.40% | 0.40% | Term: 26 Weeks
$5,000 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| Money Market Checking |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.35% | 0.35% | Term: Daily
$2,000 Daily Minimum Balance
Rates Set: Monthly | $10 Monthly service charge if daily minimum balance is not maintained.
Monthly service charge may reduce earnings on account. |
| Money Market Savings |
|---|
| | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 | Tier 6 |
| |
|---|
| Dividend Rate | 0.30% | 0.40% | 0.50% | 0.60% | 0.70% | 0.80% |
| Annual Percentage Yield (APY) | 0.30% | 0.40% | 0.50% | 0.60% | 0.70% | 0.80% |
| Dividends Compounded | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Dividend Credited | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Dividend Period | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| |
|---|
| Minimum Opening Deposit | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Minimum Balance to Avoid a Service Fee | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Minimum Balance to Earn the Stated APY | $5,000 | $10,000 | $25,000 | $50,000 | $75,000 | $100,000 |
| Balance Method | Daily Balance | Daily Balance | Daily Balance | Daily Balance | Daily Balance | Daily Balance |
|
| Interest Checking |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.25% | 0.25% | Term: Daily
$250 Daily Minimum Balance
Rates Set: Monthly | $5 Monthly service charge if average monthly minimum balance is not maintained.
Monthly service charges may reduce earnings on account. |
| Regular Share |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.20% | 0.20% | Term: Daily
$250.00 Daily Minimum Balance
Rates Set: Quarterly | $5 Minimum opening balance and a one-time $5 membership fee.
$10 Monthly service charge if average monthly minimum balance falls below $250. (New accounts have a 6-month grace period to accrue a $250 daily minimum balance.)
Monthly service charges may reduce earnings on account.
Daily minimum balance must be maintained to earn dividends. |
| 0.30% | 0.30% | Term: Daily
$2,000.01 Daily Minimum Balance
Rates Set: Quarterly | $5 Minimum opening balance and a one-time $5 membership fee.
$10 Monthly service charge if average monthly minimum balance falls below $250. (New accounts have a 6-month grace period to accrue a $250 daily minimum balance.)
Monthly service charges may reduce earnings on account.
Daily minimum balance must be maintained to earn dividends. |
| 0.55% | 0.55% | Term: Daily
$10,000.01 Daily Minimum Balance
Rates Set: Quarterly | $5 Minimum opening balance and a one-time $5 membership fee.
$10 Monthly service charge if average monthly minimum balance falls below $250. (New accounts have a 6-month grace period to accrue a $250 daily minimum balance.)
Monthly service charges may reduce earnings on account.
Daily minimum balance must be maintained to earn dividends. |
| Starter Share Certificate |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 1.50% | 1.51% | Term: 12 Months
$1.00 Minimum Intial Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. $1,000 maximum value. Limit one per member. |
| Starter IRA Certificate |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 1.85% | 1.86% | Term: 12 Months
$1.00 Minimum Intial Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. $1,000 maximum value. Limit one per member. |
| Special Purpose Club Account/Trust Account |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.20% | 0.20% | Term: Daily
$250.00 Daily Minimum Balance
Rates Set: Quarterly | Daily minimum balance must be maintained to earn dividends.
|
| 0.30% | 0.30% | Term: Daily
$2,000.01 Daily Minimum Balance
Rates Set: Quarterly
| Daily minimum balance must be maintained to earn dividends. |
| 0.55% | 0.55% | Term: Daily
$10,000.01 Daily Minimum Balance
Rates Set: Quarterly | Daily minimum balance must be maintained to earn dividends. |
| Special Savings Club Accounts - Tax , Vacation , & Christmas |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.50% | 0.50% | Term: Daily
$250.00 Daily Minimum Balance
Rates Set: Quarterly | Daily minimum balance must be maintained to earn dividends. |
| Share Certificates |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 0.25% | 0.25% | Term: 3 Months
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 0.30% | 0.30% | Term: 6 Months
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
0.55% | 0.55% | Term: 1 Year
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.00% | 1.00% | Term: 18 Months
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.15% | 1.15% | Term: 2 Years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.15% | 1.15% | Term: 2 1/2 Years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 2.75% | 2.78% | Term: 5 years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| IRA Certificates - Traditional, Roth, & Educational |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 1.00% | 1.00% | Term: 1 Year
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.50% | 1.51% | Term: 18 Months
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.90% | 1.91% | Term: 2 Years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 1.90% | 1.91% | Term: 2 1/2 Years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| 3.00% | 3.03% | Term: 5 Years
$250.00 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
| IRA |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 2.05% | 2.07% | Term: Daily
Rates Set: Quarterly | A penalty may be imposed for early withdrawal. Consult your tax advisor for additional information.
No early withdrawal penalty assessed for closing an account that will be "rolled over" into an IRA or other qualifying pension/retirement account at another institution. |
| MISCA |
|---|
| Dividend Rate | APY | Terms | Additional Information |
| 1.75% | 1.76% | Term: 2 Years
$10,000 Minimum Deposit
Rates Set: Monthly | A penalty will be imposed for early withdrawal. |
