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Savings and Checking Account
Rates: Effective February 1, 2012
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 |
0.10 |
0.10 |
$5 |
$25** |
--*** |
--*** |
Monthly |
Monthly |
Secondary Savings |
0.10 |
0.10 |
|
|
|
|
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 + |
0.10
0.19
0.24
0.34
0.39
|
0.10
0.20
0.25
0.35
0.40
|
$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
0.10
0.10
0.25 |
0.10
0.10
0.10
0.10
0.25 |
$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 |
0.20 |
0.20 |
$25 |
$100** |
-- |
-- |
Monthly |
Monthly |
*Annual Percentage Yield
**The minimum balance required to earn interest
***A $10 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, 2012
| 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 + |
0.15
0.20
0.25
0.30
|
0.15
0.20
0.25
0.30
|
$500 |
Monthly |
Saver Certificate
(12-24 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.29
0.34
0.39
0.44
|
0.30
0.35
0.40
0.45
|
$500 |
Monthly |
Capital Certificate
(24-36 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.54
0.59
0.64
0.69
|
0.55
0.60
0.65
0.70
|
$500 |
Monthly |
Investment Certificate
(36-48 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.94
0.99
1.04
1.09
|
0.95
1.00
1.05
1.10 |
$500 |
Monthly |
Portfolio Certificate
(48-60 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
1.34
1.39
1.43
1.48 |
1.35
1.40
1.45
1.50 |
$500 |
Monthly |
*Annual Percentage Yield
Truth in Savings Disclosures
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Add-On Certificate Rates:
Effective February 1, 2012
| Add-On
Certificates |
Dividend
Rate |
APY* |
Min
Opening Balance |
Dividend
Compounded and Credited |
Holiday Club
(up to $10,000 maximum balance,
matures November 1) |
0.19 |
0.20 |
$5.00 |
Monthly |
Tax Saver Certificate
(up to $10,000 maximum balance, matures November 1) |
0.19 |
0.20 |
$5.00 |
Monthly |
Money Builder Certificate
(up to $10,000 maximum balance,
12-Month Term) |
0.19 |
0.20 |
$10.00 |
Monthly |
Easy Saver Certificate
(12-Month Term) |
0.19 |
0.20 |
$10.00 |
Monthly |
Truth in Savings Disclosures
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