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Rates & Fees

Savings Rates

Savings Rates for September 23, 2014
Rates are subject to change without notice.

Savings Rates
APY for offered terms*

Program

Nominal Rate

APY*

Minimum
Balance

Dividend
Regular Savings  .02% .02% $100
Compounded monthly
Secondary Savings  .02% .02% $100
Compounded monthly
Holiday Savings  .05% .05% none
Compounded monthly
IRA Savings  .02% .02% $100
Compounded monthly

Money Market Account

   

 

Tiered Money Market Accounts are
Compounded monthly

Balances from
$2,500 to $19,999.99
0.10% 0.10% $2,500
Balances of
$20,000 and $49,999.99
0.10% 0.10% $20,000
Balances of
$50,000 and over
0.15% 0.15% $50,000
The above dividend rates are subject to change without notice.
*Annual Percentage Yield

Regular and IRA Certificate (CD) Rates are subject to change without notice.  Savings Rates for September 23, 2014. Dividends are calculated on the daily balance and compounded monthly.  There are penalties for early withdrawal from term accounts and the IRS imposes an additional penalty for early withdrawal from a regular IRA account.

Regular & IRA Certificates (CDs) $500.00 -$9999.99

Term

Rate

APY*

Minimum Balance

Dividend
60 Months 0.90% 0.90% $500 Monthly unless otherwise paid
48 months 0.75% 0.75% $500 Monthly unless otherwise paid
36 Months 0.50% 0.50% $500 Monthly unless otherwise paid
30 Months 0.40% 0.40% $500 Monthly unless otherwise paid
24 Months 0.30% 0.30% $500 Monthly unless otherwise paid
18 Months 0.20%

0.20%

$500 Monthly unless otherwise paid
12 Months 0.15% 0.15% $500 Monthly unless otherwise paid
6 Months 0.10% 0.10% $500 Monthly unless otherwise paid

Certificates (CDs) are subject to change without notice. There are penalties for early withdrawal from Regular & IRA Certificates (CDs).  *Annual Percentage Yield


Regular & IRA Certificates (CDs) $10,000 and over

Term

Rate

APY*

Minimum Balance

Dividend
60 Months 0.95% 0.95% $10,000 Monthly unless otherwise paid
48 months 0.80% 0.80% $10,000 Monthly unless otherwise paid
36 Months 0.55% 0.55% $10,000 Monthly unless otherwise paid
30 Months 0.45% 0.45% $10,000 Monthly unless otherwise paid
24 Months 0.35% 0.35% $10,000 Monthly unless otherwise paid
18 Months 0.25% 0.25% $10,000 Monthly unless otherwise paid
12 Months 0.20% 0.20% $10,000 Monthly unless otherwise paid
6 Months 0.15% 0.15% $10,000 Monthly unless otherwise paid

Certificates (CDs) are subject to change without notice. There are penalties for early withdrawal from Regular & IRA Certificates (CDs).  *Annual Percentage Yield



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