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Savings & Investment Rates
Effective July 22, 2008 to July 28, 2008.
Rates change every Tuesday.
Member Certificate Accounts *
| Balance of $1,000 to $9,999 |
| Term | Rate | APY* |
| 3 months |
2.58% |
2.61% |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.03% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| Balance of $10,000 to $49,999 |
| Term | Rate | APY* |
| 3 months |
2.58% |
2.61% |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.03% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| Balance of $50,000 to $98,999 |
| Term | Rate | APY* |
| 3 months |
2.58% |
2.61% |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.10% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| JUMBO: Balance of $99,000+ |
| Term | Rate | APY* |
| 3 months |
2.63% |
2.66% |
| 6 months |
2.86% |
2.89% |
| 12 months |
3.00% |
3.03% |
| 18 months |
3.05% |
3.09% |
| 24 months |
3.15% |
3.19% |
| 36 months |
3.25% |
3.29% |
| 48 months |
3.55% |
3.60% |
| 60 months |
3.80% |
3.85% |
*For information purposes only. APY=Annual Percentage Yield. All rates are subject to change without notice. Early withdrawal penalties will apply.
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IRA Certificates
| Start Up IRA Certificates: Balance of $50 to $999* |
| Term | Rate | APY* |
| 3 months |
0.60% |
0.60% |
Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends.
Early withdrawal subject to penalty. |
| IRA Certificates: Balance of $1,000 to $9,999 |
| Term | Rate | APY* |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.03% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| IRA Certificates: Balance of $10,000 to $49,999 |
| Term | Rate | APY* |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.03% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| IRA Certificates: Balance of $50,000 to $98,999 |
| Term | Rate | APY* |
| 6 months |
2.76% |
2.79% |
| 12 months |
2.91% |
2.94% |
| 18 months |
3.00% |
3.10% |
| 24 months |
3.10% |
3.14% |
| 36 months |
3.15% |
3.19% |
| 48 months |
3.45% |
3.49% |
| 60 months |
3.70% |
3.75% |
| IRA Certificates JUMBO: Balance of $99,000+ |
| Term | Rate | APY* |
| 6 months |
2.86% |
2.89% |
| 12 months |
3.00% |
3.03% |
| 18 months |
3.05% |
3.09% |
| 24 months |
3.15% |
3.19% |
| 36 months |
3.25% |
3.29% |
| 48 months |
3.55% |
3.60% |
| 60 months |
3.80% |
3.85% |
*For information purposes only. APY=Annual Percentage Yield. All rates are subject to change without notice. Early withdrawal penalties will apply.
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| Money Market Account |
| Balance of: | Rate | APY* |
| $0 to $2,499 |
0.00% |
0.00% |
| $2,500 to $9,999 |
1.75% |
1.76% |
| $10,000 to $24,999 |
1.90% |
1.92% |
| $25,000 to $49,999 |
2.00% |
2.02% |
| $50,000+ |
2.10% |
2.12% |
| Enjoy the flexibility of unlimited deposits. In-Branch withdrawals are allowed without early withdrawal penalty. Other telephonic and electronic withdrawals are limited to 6 per month. Balances below $2,500 will receive the stated rate of interest, possibly as low as 0%. |
*For information purposes only. APY=Annual Percentage Yield. All rates are subject to change without notice.
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| Asset Growth Flexible Share Certificate |
| Term | Rate | APY* | Minimum Balance |
| 6 months |
2.91% |
2.94% |
$5,000 |
| Three deposits per 6-month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Ask a representative for more details. Minimum daily account balance of $5,000 required. |
*For information purposes only. APY=Annual Percentage Yield. All rates are subject to change without notice. Early withdrawal penalties will apply, except as otherwise allowed.
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| Saving & Checking Accounts |
| The Board of Directors has declared the following Quarterly Dividend Rates for the period
April 1 to and including June 30, 2008:
|
| Effective Date: June 30, 2008 |
| Product | APY* |
| Regular Share Account (min. $25 balance) |
0.60% |
| Checking Account (Apex and Advantage accounts only) |
0.10% |
*For information purposes only. Apex and Advantage checking accounts earn interest; no minimum balance required. APY=Annual Percentage Yield.
Regulations prohibit paying dividends in excess of earnings.
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