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DEPOSIT RATES
See "Disclosure of Account Terms" for details of particular program type.
Rates effective as of June 1, 2013
CERTIFICATES OF DEPOSIT (4,5,6,8,9,13)
|
| TERM |
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (3) |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (3) |
|
| 3 Months |
0.05% |
0.05% |
27 Month |
0.70% |
0.70% |
|
| 6 Months |
0.15% |
0.15% |
Special Rate CD: 5 Month |
N/A |
N/A |
|
| 9 Months |
0.15% |
0.15% |
|
|
|
|
| 12 Months |
0.40% |
0.40% |
|
|
|
|
| 15 Months |
0.45% |
0.45% |
|
|
|
|
| 18 Months |
0.50% |
0.50% |
|
|
|
|
| 24 Months |
0.60% |
0.60% |
|
|
|
|
| 30 Months |
0.75% |
0.75% |
|
|
|
|
| 48 Months |
0.80% |
0.80% |
|
|
|
|
| 60 - 120 Months |
1.10% |
1.10% |
|
|
|
|
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 |
0.01% |
0.01% |
- |
- |
|
|
| $1,000 - 4,999.99 |
0.02% |
0.02% |
- |
- |
- |
|
| $5,000 + |
0.05% |
0.05% |
- |
- |
- |
|
| 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 |
0.02% |
0.02% |
- |
- |
|
|
| $5,000-24,999.99 |
0.02% |
0.02% |
- |
- |
- |
|
| $25,000-49,999.99 |
0.05% |
0.05% |
- |
- |
- |
|
| $50,000.00 |
0.10% |
0.10% |
- |
- |
- |
|
| 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 |
0.02% |
0.02% |
- |
- |
- |
|
| $1,000-4,999.99 |
0.02% |
0.02% |
- |
- |
- |
|
| $5,000+ |
0.05% |
0.05% |
- |
- |
- |
|
| 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 |
0.05% |
0.05% |
- |
- |
- |
|
| 25,000+ |
0.15% |
0.15% |
- |
- |
- |
|
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 |
0.02% |
0.02% |
- |
- |
|
|
| $1,000+ |
0.05% |
0.05% |
- |
- |
|
|
| 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 |
|
| |
0.01% |
0.01% |
$25 |
n/a |
$25 |
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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% |
$50 |
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 |
0.01% |
0.01% |
- |
- |
|
|
| 5,000 - 24,999.99 |
0.02% |
0.02% |
- |
- |
|
|
| 25,000 - 49,999.99 |
0.05% |
0.05% |
- |
- |
|
|
| 50,000+ |
0.10% |
0.10% |
- |
- |
|
|
| 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 |
|
| |
0.10% |
0.10% |
$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 |
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I R A s (Individual Retirement Accounts)
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| Any CDs' term/rates shown may be applied to an IRA, except 3 month or any Special CDs; Fixed-rate IRAs credit/compound monthly |
| 18 Month Variable-rate IRA 0.25% interest rate yielding 0.25% Annual Percentage Rate (effective 04/01/13) (Variable rate-changes quarterly; credits/compounds quarterly) |
| (1) Variable-rate IRA subject to change quarterly; credits/compounds quarterly |
| (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) Rates and terms subject to change without notice. Contact your local branch for current deposit rates. |
| MEMBER FDIC |
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