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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 |
| Term | Rate | APY* |
| 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 |
| Term | Rate | APY* |
| 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 |
| Term | Rate | APY* |
| 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+ |
| Term | Rate | APY* |
| 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* |
| Term | Rate | APY* |
| 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 |
| Term | Rate | APY* |
| 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 |
| Term | Rate | APY* |
| 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 |
| Term | Rate | APY* |
| 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+ |
| Term | Rate | APY* |
| 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: | Rate | APY* |
| $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 |
| Term | Rate | APY* | 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 |
| Product | Minimum Balance | APY* |
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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