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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
TermRateAPY*
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
TermRateAPY*
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
TermRateAPY*
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+
TermRateAPY*
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*
TermRateAPY*
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
TermRateAPY*
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
TermRateAPY*
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
TermRateAPY*
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+
TermRateAPY*
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:RateAPY*
$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
TermRateAPY*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.
ProductMinimum BalanceAPY*

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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