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Savings and Investment Rates

Effective June 30, 2009 to July 6, 2009.
Rates updated every Tuesday.

Tiered Rate Certificate Accounts *

Balance of $1,000 to $9,999
TermRateAPY*
3 months 0.630% 0.63%
6 months 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

Balance of $10,000 to $49,999
TermRateAPY*
3 months 0.630% 0.63%
6 months 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

Balance of $50,000 to $98,999
TermRateAPY*
3 months 0.630% 0.63%
6 months 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

JUMBO: Balance of $99,000+
TermRateAPY*
3 months 0.680% 0.68%
6 months 0.810% 0.81%
12 months 0.940% 0.94%
18 months 1.230% 1.24%
24 months 1.600% 1.61%
36 months 2.000% 2.02%
48 months 2.270% 2.29%
60 months 2.400% 2.42%

*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 0.150% 0.15%
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 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

IRA Certificates: Balance of $10,000 to $49,999
TermRateAPY*
6 months 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

IRA Certificates: Balance of $50,000 to $98,999
TermRateAPY*
6 months 0.760% 0.76%
12 months 0.900% 0.90%
18 months 1.190% 1.20%
24 months 1.500% 1.51%
36 months 1.900% 1.91%
48 months 2.170% 2.19%
60 months 2.350% 2.37%

IRA Certificates JUMBO: Balance of $99,000+
TermRateAPY*
6 months 0.810% 0.81%
12 months 0.940% 0.94%
18 months 1.230% 1.24%
24 months 1.600% 1.61%
36 months 2.000% 2.02%
48 months 2.270% 2.29%
60 months 2.400% 2.42%

*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 0.000% 0.00%
$2,500 to $9,999 0.250% 0.25%
$10,000 to $24,999 0.250% 0.25%
$25,000 to $49,999 0.300% 0.30%
$50,000+ 0.350% 0.35%
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 0.760% 0.76% $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
The Board of Directors has declared the following Quarterly Dividend Rates for the period April 1 to and including June 30, 2009:
Effective Date: April 1, 2009
ProductMinimum BalanceAPY*

Regular Share Savings Account

$25 0.15%
Checking Account (Apex and Advantage accounts only) * 0.10%

Holiday Savings Club

$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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