Savings Rates

Rates effective April 17th, 2014

Savings

Account TypeRateAPY *
Savings0.100%0.10%

Share Certificate

TermsTiersRateAPY *Penalty
6 Months$500 Minimum 0.250%0.25%90 Days
$10,000 Minimum0.250%0.25%
$100,000 Minimum0.250%0.25%
12 Months$500 Minimum0.399%0.40%90 Days
$10,000 Minimum0.399%0.40%
$100,000 Minimum0.399%0.40%
24 Months$500 Minimum0.598%0.60%180 Days
$10,000 Minimum0.598%0.60%
$100,000 Minimum0.598%0.60%
36 Months$500 Minimum0.747%0.75%180 Days
$10,000 Minimum0.747%0.75%
$100,000 Minimum0.747%0.75%
48 Months$500 Minimum0.847%0.85%180 Days
$10,000 Minimum0.847%0.85%
$100,000 Minimum0.847%0.85%
60 Months$500 Minimum1.094%1.10%180 Days
$10,000 Minimum1.094%1.10%
$100,000 Minimum1.094%1.10%

3 - Step Share Certificate

TermsTiersRateAPY *Penalty ²
24 Months$500 Minimum0.499%0.5%see ² below
$10,000 Minimum0.499%0.5%
$100,000 Minimum0.499%0.5%

Money Market Plus

TiersRateAPY *Penalty ³
$2,500 Minimum0.150%0.15%see ³ below
$10,000 Minimum0.2%0.2%
$25,000 Minimum0.25%0.25%

IRA Rates

TypeTiersRateAPY * 
IRA Savings$500 - $9999.990.25%0.25% 
$10,000 - $49,999.990.349%0.35%
$50,000 +0.499%0.5%
TypeTiersRateAPY *Penalty
6 Months$500 Minimum0.25%0.25%90 Days
$10,000 Minimum0.25%0.25%
$100,000 Minimum0.25%0.25%
12 Months$500 Minimum0.399%0.4%90 Days
$10,000 Minimum0.399%0.4%
$100,000 Minimum0.399%0.4%
24 Months$500 Minimum0.598%0.6%180 Days
$10,000 Minimum0.598%0.6%
$100,000 Minimum0.598%0.6%
36 Months$500 Minimum0.747%0.75%180 Days
$10,000 Minimum0.747%0.75%
$100,000 Minimum0.747%0.75%
48 Months$10,000 Minimum0.847%0.85%180 Days
$100,000 Minimum0.847%0.85%
60 Months$10,000 Minimum1.094%1.10%180 Days
$100,000 Minimum1.094%1.10%

* APY = Annual Percentage Yield

¹ Penalty may apply for early withdrawal and may reduce earnings.

² Member may withdraw up to 50% of initial deposit after the first seven days without penalty once during the term of the certificate. Other withdrawals use current 24 month certificate penalty.

³ Low balance fee assessed at the end of the month, $15.00 per month if balance goes below $2,500 anytime during the month.