Savings & Shares

 Club Accounts

 Health Savings
Accounts


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     Banking Days

     Smart Kids

     Smart Teens

     Student Saver

     College Students

 Certificates

 IRAs

 Telephone Banking

 Deposit Rates

 Fee Schedule

 Money Markets

 Investments

Deposit Rates


Rates Effective: 2/04/12

SHARE RATES
Type Minimum Deposit Rate APY*
Regular Shares $5 0.10% 0.10%
Student Saver Account $5-$500
1.98%
2.00%
$501+ 0.10% 0.10%
IRA Shares $500 0.60% 0.60%


CHECKING ACCOUNTS
Type Minimum Deposit Rate APY*
Regular Share Draft $100 0.10% 0.10%
Free Checking $0 0% 0%
HSA Share Draft $0-$2,499 1.00% 1.00%
$2,500-$9,999 1.49% 1.50%
$10,000+ 1.98% 2.00%
Business Checking $0 0% 0%


CLUB ACCOUNT RATES
Type Minimum Deposit Rate APY*
Vacation Club None 0.10% 0.10%
Christmas Club Account None 0.10% 0.10%
Home Heating Club $0-$1,000 1.98% 2.00%
$1,001+ 0.20% 0.20%


MONEY MARKET RATES
Type Minimum Deposit Rate APY*
Money Market $2,500-$9,999 0.25% 0.25%
$10,000-$24,999 0.40% 0.40%
$25,000-$49,999 0.50% 0.50%
$50,000-$99,999 0.60% 0.60%
$100,000+ 0.70% 0.70%


BUSINESS MONEY MARKET RATES
Type Minimum Deposit Rate APY*
Business Money Market $25,000-$49,999 0.55% 0.55%
$50,000-$99,999 0.65% 0.65%
$100,000+ 0.75% 0.75%


CERTIFICATE OF DEPOSIT/CD RATES
Type Minimum Deposit Rate APY*
6 Month Share Certificate** $500 0.40% 0.40%
$10,000 0.40% 0.40%
SmartKidz: 1 Year Certificate
(Ages 12 & Under Only)
$100 0.60% 0.60%
12 Month Share Certificate** $500 0.60% 0.60%
$10,000 0.60% 0.60%
18 Month Share Certificate** $500 0.70% 0.70%
$10,000 0.70% 0.70%
24 Month Share Certificate** $500 1.00% 1.00%
$10,000 1.00% 1.00%
**SPECIAL**
30 Month Share Certificate**
$1,000 1.44% 1.45%
36 Month Share Certificate** $500 1.39% 1.40%
$10,000 1.39% 1.40%
48 Month Share Certificate** $500 1.79% 1.80%
$10,000 1.79% 1.80%
60 Month Share Certificate** $500 2.08% 2.10%
$10,000 2.08% 2.10%


*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. **IRA Certificates also available. 


Saturday, Feb 04
9:28 AM


Club Accounts work
just like a savings
account, with no
minimum balance.