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|
DEPOSIT
RATES
See "Disclosure of Account Terms" for details of particular program
type.
Rates effective as of March 1, 2010
CERTIFICATEs OF DEPOSIT (4,5,6,8,9)
|
| TERM |
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (3) |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (3) |
|
| 3 Months |
0.40% |
0.40% |
Special 27 Month |
1.99% |
2.00% |
|
| 6 Months |
0.75% |
0.75% |
|
|
|
|
| 9 Months |
0.85% |
0.85% |
|
|
|
|
| 12 Months |
1.24% |
1.25% |
|
|
|
|
| 15 Months |
1.44% |
1.45% |
|
|
|
|
| 18 Months |
1.34% |
1.35% |
|
|
|
|
| 24 Months |
1.74% |
1.75% |
|
|
|
|
| 30 Months |
2.13% |
2.15% |
|
|
|
|
| 48 Months |
2.48% |
2.50% |
|
|
|
|
| 60 - 120 Months |
2.97% |
3.00% |
|
|
|
|
SAVINGS PROGRAMS
|
| REGULAR PASSBOOK SAVINGS (1,2,6) |
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
| $0-49.99 |
0.00% |
0.00% |
$50 |
$50 |
$50 |
|
| $50-999.99 |
0.05% |
0.05% |
- |
- |
|
|
| $1,000 - 4,999.99 |
0.10% |
0.10% |
- |
- |
- |
|
| $5,000 + |
0.15% |
0.15% |
- |
- |
- |
|
PREFERRED SAVINGS - PASSBOOK (1,2,6)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
| $0-2,499.99 |
0.00% |
0.00% |
$1,000 |
$2500 |
$2,500 |
|
| $2,500-4,999.99 |
0.05% |
0.05% |
- |
- |
|
|
| $5,000-24,999.99 |
0.10% |
0.10% |
- |
- |
- |
|
| $25,000-49,999.99 |
0.25% |
0.25% |
- |
- |
- |
|
| $50,000.00 |
0.30% |
0.30% |
- |
- |
- |
|
STATEMENT SAVINGS (1,2,7)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
| $0-49.99 |
0.00% |
0.00% |
$50 |
$50 |
$50 |
|
| $50-999.99 |
0.05% |
0.05% |
- |
- |
- |
|
| $1,000-4,999.99 |
0.10% |
0.10% |
- |
- |
- |
|
| $5,000+ |
0.15% |
0.15% |
- |
- |
- |
|
INTEREST PLUS SAVINGS (1,2,7)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
| $0-2,499.99 |
0.00% |
0.00% |
$2,500 |
$2,500 |
$2500 |
|
| 2,500-24,999.99 |
0.50% |
0.50% |
- |
- |
- |
|
| 25,000+ |
0.80% |
0.80% |
- |
- |
- |
|
MONEY MARKET SAVINGS (1,2,6)
Existing accounts only; No new accounts
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Earn Interest |
Existing accounts only;No new accounts |
|
| $0-49.99 |
0.00% |
0.00% |
- |
$50 |
|
|
| $50-999.99 |
0.15% |
0.15% |
- |
- |
|
|
| $1,000+ |
0.25% |
0.25% |
- |
- |
|
|
CHRISTMAS CLUB SAVINGS(1,10)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
|
1.00% |
1.00% |
$25 |
n/a |
$25 |
|
CHECKING PROGRAMS
|
| PERSONAL CHECKING(1,2,7) |
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
|
0.00% |
0.00% |
$100 |
n/a |
- |
|
PREFERRED CHECKING(1,2,7)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
| 0 - 999.99 |
0.00% |
0.00% |
$1,000 |
$1,000 |
$1000 |
|
| 1,000 - 4,999.99 |
0.05% |
0.05% |
- |
- |
|
|
| 5,000 - 24,999.99 |
0.10% |
0.10% |
- |
- |
|
|
| 25,000 - 49,999.99 |
0.25% |
0.25% |
- |
- |
|
|
| 50,000+ |
0.35% |
0.35% |
- |
- |
|
|
BUSINESS: PROFESSIONAL CHECKING (52-image)(1,7)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
|
0.50% |
0.50% |
$100 |
$500 |
$1000 |
|
BUSINESS: CORPORATE CHECKING (11)
|
| Account Balance |
Interest Rate |
Annual Percentage Yield (APY)(3) |
Minimum to Open |
Minimum to Avoid Fees |
Minimum to Earn Interest |
|
|
0.00% |
0.00% |
$100 |
$500 |
n/a |
|
I R A s (Individual Retirement Accounts)
|
| Any CDs' term/rates shown above may be applied to an IRA, except the 3 month term or any Special CDs |
| 18 Month Variable-rate IRA 1.00% interest rate yielding 1.00% Annual Percentage Rate (effective 01/01/10) (Variable rate-changes quarterly) |
(1) Variable rate; subject to change
|
| (2) Daily interest earned on collected balance for number of days balance falls within the various tiers at the corresponding rates |
| (3) Earned interest must be left in account to compound to earn APY. Any fees would reduce an account's APY. |
| (4) CD Penalties for early withdrawal: equal to the one-half the original term's interest (earned or unearned) |
| (5) Certificates earn a fixed interest rate; no additions can be made until maturity |
| (6) Compounds/credits quarterly; For CDs: Monthly checks available on CDs except 3 month CD, which credits interest to account at maturity only |
| (7) Compounds/credits monthly |
| (8) All Certificates minimum balance to open = $500.00 |
| (9) Certificates automatically renew at the current rate paid on the particular term; a grace period of ten (10) days is granted |
| (10) No withdrawals permitted until mid October when checks are issued; simple interest earned |
| (11) Earnings credit earned to reduce monthly service fees |
| (12) At maturity, special 5 month CD rolls into and becomes a 6 month certificate at the rate then offered for a six month term |
| MEMBER FDIC |
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