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|
Savings and Checking Account
Rates: Effective February 1, 2010
Savings
& Checking |
Dividend
Rate |
APY* |
Min
Opening Balance |
Min
Daily Balance |
Minimum
Balance to Avoid Fee |
Monthly
Fee if Below Minimum |
Dividend
Compounded and Credited |
Dividend
Period |
Share Savings |
0.40 |
0.40 |
$5 |
$25** |
--*** |
--*** |
Monthly |
Monthly |
Secondary Savings |
0.40 |
0.40 |
|
|
|
|
Monthly |
Monthly |
Money Market
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
$250,000 + |
0.60
0.75
1.05
1.25
1.45
|
0.60
0.75
1.06
1.26
1.46
|
$2,500 |
$2,500** |
-- |
-- |
Monthly |
Monthly |
Investor Checking
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
$250,000 + |
0.10
0.10
0.15
0.25
0.45 |
0.10
0.10
0.15
0.25
0.45 |
$25 |
-- |
$2,500 Average Daily
Balance |
$6 |
Monthly |
Monthly |
Value Checking |
0.00 |
0.00 |
$25 |
-- |
-- |
-- |
Monthly |
Monthly |
Premium Checking |
0.00 |
0.00 |
$25 |
-- |
-- |
-- |
Monthly |
Monthly |
IRA/Health Savings Account
(HSA) |
0.60 |
0.60 |
$25 |
$100** |
-- |
-- |
Monthly |
Monthly |
*Annual Percentage Yield
**The minimum balance required to earn interest
***A $6 per month Share Savings Only fee will apply to accounts with savings only balances below $100
Truth in Savings Disclosures
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Certificate Account Rates:
Effective February 1, 2010
|
Certificate Accounts |
Dividend
Rate |
APY* |
Min
Opening Balance |
Dividend
Compounded and Credited |
Market Certificate
(6-12 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.80
0.85
0.90
0.95
|
0.80
0.85
0.90
0.95
|
$500 |
Monthly |
Saver Certificate
(12-24 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
1.15
1.20
1.25
1.30
|
1.16
1.21
1.26
1.31
|
$500 |
Monthly |
Capital Certificate
(24-36 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 +
|
1.75
1.80
1.85
1.90 |
1.76
1.81
1.87
1.92 |
$500 |
Monthly |
Investment Certificate
(36-48 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.15
2.20
2.25
2.30
|
2.17
2.22
2.27
2.32
|
$500 |
Monthly |
Portfolio Certificate
(48-60 Months)
$500 -
$9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 +
|
2.40
2.45
2.50
2.55 |
2.43
2.48
2.53
2.58 |
$500 |
Monthly |
Equity Options
Certificate (60 Month)
$25,000 + |
2.45
|
2.48
|
$2,500 |
Monthly |
*Annual Percentage Yield
Truth in Savings Disclosures
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Add-On Certificate Rates:
Effective February 1, 2010
|
Add-On Certificates |
Dividend
Rate |
APY* |
Min
Opening Balance |
Dividend
Compounded and Credited |
Holiday Club
(Matures
November 1) |
1.25 |
1.26 |
$5.00 |
Monthly |
Tax Saver Certificate
(Matures November 1) |
1.25
|
1.26
|
$5.00 |
Monthly |
Money Builder Certificate
(12-Month Term) |
1.25 |
1.26 |
$10.00 |
Monthly |
Easy Saver Certificate
(12-Month Term) |
1.25 |
1.26
|
$10.00 |
Monthly |
Truth in Savings Disclosures
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