|
Deposit Rates
| Standard Share Certificates |
| Term |
Dividend
Rate |
Standard
A.P.Y.* |
Jumbo
Div Rate |
Jumbo
A.P.Y.* |
Minimum Deposit |
| 6 Month |
3.25% |
3.30% |
3.45% |
3.51% |
Standard Rate: $500
Jumbo Rate: $35,000 |
| 9 Month |
3.40% |
3.45% |
3.60% |
3.66% |
| 12 Month |
3.54% |
3.60% |
3.74% |
3.80% |
| 18 Month |
3.83% |
3.90% |
4.03% |
4.11% |
| 24 Month |
3.93% |
4.00% |
4.13% |
4.21% |
| 36 Month |
4.27% |
4.35% |
4.47% |
4.56% |
| 48 Month |
4.36% |
4.45% |
4.56% |
4.66% |
| 60 Month |
4.46% |
4.55% |
4.66% |
4.76% |
| Share Certificates with Rate Bump Option |
| 36 Month |
4.07% |
4.15% |
4.27% |
4.35% |
Standard Rate: $5,000
Jumbo Rate: $35,000 |
| 48 Month |
4.16% |
4.24% |
4.36% |
4.45% |
| 60 Month |
4.26% |
4.34% |
4.46% |
4.55% |
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
* Yields are compounded monthly. A penalty may
be charged for early withdrawal. A.P.Y. is current as of November 20, 2008.
|
| Deposit Accounts |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
Minimum Amt to
Recv Dividend |
| Regular Shares1 |
2.10% |
2.12% |
Quarterly |
Quarterly |
N/A |
| Money Market 2 |
2.47% |
2.50% |
Daily | Monthly |
$500.00 |
| Health Savings Account 2 |
3.54% |
3.61% |
Daily | Monthly | $50.00 |
1 For quarter ending December 31, 2008. Fees could reduce earnings on the account.
2 A.P.Y. current as of September 22, 2008. The dividends are variable rates, compounded daily and paid monthly.
|
| Checking Rates |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
|
| Tier 1 ($500-$9,999.99) |
0.99% |
1.00% |
Daily | Monthly |
|
| Tier 2 ($10,000-$49,999.99) |
1.49% |
1.50% |
| Tier 3 ($50,000+) |
2.96% |
3.00% |
A.P.Y. current as of November 20, 2008. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500
is required to earn dividends.
|
| Club Account Rates |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
Pay Date |
| Christmas Club3 |
1.17% |
1.17% |
Annually | Annually | November 1 |
| Vacation Club4 |
1.39% |
1.39% |
Annually | Annually | May 1 |
| CD Builder Club |
2.47% |
2.50% |
Daily | Monthly | ** |
3 Dividend listed is based on 1/2 of the regular share dividend rate from 10/1/2006 to 9/30/2007 and is paid based on avg daily
balance.
4 Dividend listed is based on 1/2 of the regular share dividend rate from 4/1/2007 to 3/31/2008 and is paid based on avg daily balance.
** Balance will be automatically invested into a certificate when balance exceeds $500.
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