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Savings and Investment Rates
Effective August 31, 2010 to September 6, 2010.
Rates updated every Tuesday.
Tiered Rate Certificate Accounts *
| Balance of $1,000 to $9,999 |
| Term | Rate | APY* |
| 3 months |
0.30% |
0.30% |
| 6 months |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.55% |
| 48 months |
1.98% |
1.97% |
| 60 months |
2.20% |
2.22% |
| Balance of $10,000 to $49,999 |
| Term | Rate | APY* |
| 3 months |
0.30% |
0.30% |
| 6 months |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.55% |
| 48 months |
1.97% |
1.98% |
| 60 months |
2.20% |
2.22% |
| Balance of $50,000 to $98,999 |
| Term | Rate | APY* |
| 3 months |
0.30% |
0.30% |
| 6 months |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.56% |
| 48 months |
1.97% |
1.98% |
| 60 months |
2.20% |
2.22% |
| JUMBO: Balance of $99,000+ |
| Term | Rate | APY* |
| 3 months |
0.35% |
0.35% |
| 6 months |
0.51% |
0.51% |
| 12 months |
0.70% |
0.70% |
| 18 months |
0.88% |
0.88% |
| 24 months |
1.20% |
1.21% |
| 36 months |
1.60% |
1.61% |
| 48 months |
2.02% |
2.04% |
| 60 months |
2.30% |
2.32% |
*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 |
0.10% |
0.10% |
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 |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.55% |
| 48 months |
1.98% |
1.97% |
| 60 months |
2.20% |
2.22% |
| IRA Certificates: Balance of $10,000 to $49,999 |
| Term | Rate | APY* |
| 6 months |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.55% |
| 48 months |
1.97% |
1.98% |
| 60 months |
2.20% |
2.22% |
| IRA Certificates: Balance of $50,000 to $98,999 |
| Term | Rate | APY* |
| 6 months |
0.46% |
0.46% |
| 12 months |
0.65% |
0.65% |
| 18 months |
0.84% |
0.84% |
| 24 months |
1.15% |
1.15% |
| 36 months |
1.55% |
1.56% |
| 48 months |
1.97% |
1.98% |
| 60 months |
2.20% |
2.22% |
| IRA Certificates JUMBO: Balance of $99,000+ |
| Term | Rate | APY* |
| 6 months |
0.51% |
0.51% |
| 12 months |
0.70% |
0.70% |
| 18 months |
0.88% |
0.88% |
| 24 months |
1.20% |
1.21% |
| 36 months |
1.60% |
1.61% |
| 48 months |
2.02% |
2.04% |
| 60 months |
2.30% |
2.32% |
*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 |
0.15% |
0.15% |
| $10,000 to $24,999 |
0.15% |
0.15% |
| $25,000 to $49,999 |
0.20% |
0.20% |
| $50,000+ |
0.25% |
0.25% |
| Enjoy the flexibility to make as many deposits and in-branch withdrawals as you like. Withdrawals made through Bank by Phone, the Call Center, and through Online Banking are limited to 6 per month. Balances below $2,500 will receive the stated rate of interest, possibly as low as 0%. |
*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 |
0.51% |
0.51% |
$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. |
*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 |
As of June 24, 2010, the Board of Directors has declared the following Quarterly Dividend Rates for the period of April 1 to and including June 30, 2010:
**January 1, 2010, the Holiday Savings Club interest rate of 1% will be limited to the first $5,000 deposited into the account. Balances above $5,000 will earn the prevailing dividend rate of the main share account, or the prevailing Holiday Savings Club dividend rate, whichever is lower. |
| Product | Minimum Balance | APY* |
Regular Share Savings Account |
$25 |
0.10% |
| Checking Account (Apex and Advantage accounts only) |
* |
0.05% |
Holiday Savings Club** |
$50 |
1.00% |
MatriMoney® Savings** |
$50 |
1.00% |
*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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