|
Deposit
Rates
Rates as of July 1, 2008
|
SHARE
CERTIFICATE
ACCOUNTS
|
|
Term
|
Annual
Percentage
Yield
|
Nominal
Rate
|
Minimum
Balance to Earn
Dividends
|
Minimum
Amount to Open
Account
|
Dividends
Compounded &
Paid
|
|
6
months
|
2.02
%
|
2.00
%
|
$
500
|
$
500
|
Quarterly
|
|
12
months
|
2.27
%
|
2.25
%
|
$
500
|
$
500
|
Quarterly
|
|
18
months
|
2.52
%
|
2.50
%
|
$
500
|
$
500
|
Quarterly
|
|
24
months
|
3.03
%
|
3.00
%
|
$
500
|
$
500
|
Quarterly
|
|
24
months
|
3.04
%
|
3.00
%
|
$
500
|
$
500
|
Monthly
|
|
30
months
|
3.29
%
|
3.25
%
|
$
500
|
$
500
|
Quarterly
|
|
36
months
|
3.80
%
|
3.75
%
|
$
500
|
$
500
|
Quarterly
|
|
48
months
|
4.06
%
|
4.00
%
|
$
500
|
$
500
|
Quarterly
|
|
60
months
|
4.32
%
|
4.25
%
|
$
500
|
$
500
|
Quarterly
|
Dividends are paid from
current income and available earnings
after required transfers to reserves at
the end of the dividend period. Dividends
are calculated on the Daily Balance
method. We may impose a penalty if you
withdraw any of the principal before the
maturity date. Rates are fixed for the
term of the Certificate. IRA Certificates
are available in terms of 12 months or
longer. Offered rates are subject to
change.
|
SHARE
ACCOUNTS
|
|
Type
|
Annual
% Yield
|
Nominal
Rate
|
Minimum
Balance to Earn
Dividends
|
Minimum
Amount to Open
Account
|
Dividends
Compounded &
Paid
|
|
Prime
Share Savings
|
.50
%
|
.50
%
|
$
100
|
$
25
|
Quarterly
|
|
Insured
Money Fund
|
|
$2,000
- $9,999
|
1.01
%
|
1.00
%
|
$
2,000
|
-
|
Monthly
|
|
$10,000
& up
|
1.26
%
|
1.25
%
|
$
2,000
|
-
|
Monthly
|
|
Christmas
& Vacation
Club
|
.50
%
|
.50
%
|
$
100
|
-
|
Quarterly
|
|
Young
Members Club
|
.75
%
|
.75
%
|
$
1
|
-
|
Quarterly
|
|
IRAs
|
.75
%
|
.75
%
|
$
1
|
-
|
Quarterly
|
|
Share
Checking Account
|
.25
%
|
.25
%
|
$
1,000
|
-
|
Monthly
|
Dividends are paid from
current income and available earnings
after required transfers to reserves at
the end of the dividend period. Dividends
are calculated on the Daily Balance
method. Offered rates are subject to
change.
|
