Rates     

CERTIFICATES OF DEPOSIT

Effective: June 15, 2010

ACCOUNT
NAME

MINIMUM
BALANCE

INTEREST
RATE

ANNUAL PERCENTAGE YIELD (APY)

COMPOUNDING METHOD

   90 DAY

$ 1,000

  .75 %

  .75 %

 NONE

   6 MONTH

$ 1,000

  .75 %

  .75 %

 NONE

* 12 MONTH

$ 1,000

 1.00 %

 1.00 %   (1)

 NONE

* 18 MONTH

$ 1,000

 1.05 %

 1.06 %   (2)

 DAILY

* 24 MONTH

$ 1,000

 1.40 %

 1.41 %   (2)

 DAILY

* 30 MONTH

$ 1,000

 1.60 %

 1.61 %   (2)

 DAILY

* 36 MONTH 

$ 1,000

 2.00%

 2.02%   (2)

 DAILY

* 48 MONTH

$ 1,000

 2.35 %

 2.38 %   (2) 

 DAILY

* 60 MONTH

$ 1,000

 2.50%

 2.53%   (2)

 DAILY

(*) These certificates are also available as an IRA Account.

(1) Annual percentage yield assumes monthly or quarterly withdrawal by check or transfer.

(2) Annual percentage yield assumes interest will remain on deposit until maturity.  Any withdrawal will reduce earnings.

All certificates are subject to early withdrawal penalty.

SAVINGS ACCOUNTS

ACCOUNT
NAME

MINIMUM
BALANCE

INTEREST
RATE

ANNUAL PERCENTAGE YIELD (APY)

COMPOUNDING METHOD

CHRISTMAS CLUB

$ 5.00

  .50 %

  .50 %

MONTHLY

SAVINGS PASSBOOK

$ 25.00

  .50 %

  .50 %

MONTHLY

STATEMENT SAVINGS

$ 100.00

  .50 %

  .50 %

MONTHLY

MONEY FUND ACCOUNT

 

 

 

 

TIER 1

$ 25,000

 1.25 %

 1.25 %

MONTHLY

TIER 2

$ 10,000

 1.00 %

 1.00 %

MONTHLY

TIER 3

$   1,000

 .50 %

 .50 %

MONTHLY

Rates are subject to change at any time.

CHECKING ACCOUNTS

ACCOUNT
NAME

MINIMUM
BALANCE

INTEREST
RATE

ANNUAL PERCENTAGE YIELD (APY)

COMPOUNDING METHOD

ECONOMY N.O.W. ACCOUNT

$     100

   .00 %

   .00 %

NONE

N.O.W. ACCOUNT

$     500

   .00 %

   .00 %

NONE

SUPER N.O.W. ACCOUNT

 

 

 

 

TIER 1

$ 15,000

 1.00 %

 1.00 %

MONTHLY

TIER 2

$   5,000

   .75 %

   .75 %

MONTHLY

TIER 3

$   1,000

   .50 %

   .50 %

MONTHLY

Rates are subject to change at any time.