Savings Rates
Rates effective May 20th, 2013
Savings
| Account Type | Rate | APY * |
|---|
| Savings | 0.100% | 0.10% |
Share Certificate
| Terms | Tiers | Rate | APY * | Penalty |
|---|
| 6 Months | $500 Minimum
| 0.250% | 0.25% | 90 Days |
| $10,000 Minimum | 0.250% | 0.25% |
| $100,000 Minimum | 0.250% | 0.25% |
| 12 Months | $500 Minimum | 0.349% | 0.35% | 90 Days |
| $10,000 Minimum | 0.349% | 0.35% |
| $100,000 Minimum | 0.349% | 0.35% |
| 24 Months | $500 Minimum | 0.549% | 0.55% | 180 Days |
| $10,000 Minimum | 0.549% | 0.55% |
| $100,000 Minimum | 0.549% | 0.55% |
| 36 Months | $500 Minimum | 0.747% | 0.75% | 180 Days |
| $10,000 Minimum | 0.747% | 0.75% |
| $100,000 Minimum | 0.747% | 0.75% |
| 48 Months | $500 Minimum | 0.847% | 0.85% | 180 Days |
| $10,000 Minimum | 0.847% | 0.85% |
| $100,000 Minimum | 0.847% | 0.85% |
| 60 Months | $500 Minimum | 1.094% | 1.10% | 180 Days |
| $10,000 Minimum | 1.094% | 1.10% |
| $100,000 Minimum | 1.094% | 1.10% |
3 - Step Share Certificate
| Terms | Tiers | Rate | APY * | Penalty ² |
|---|
| 24 Months | $500 Minimum | 0.449% | 0.45% | see ² below |
| $10,000 Minimum | 0.449% | 0.45% |
| $100,000 Minimum | 0.449% | 0.45% |
Money Market Plus
| Tiers | Rate | APY * | Penalty ³ |
|---|
| $2,500 Minimum | 0.150% | 0.15% | see ³ below |
| $10,000 Minimum | 0.250% | 0.25% |
| $25,000 Minimum | 0.300% | 0.30% |
IRA Rates
| Type | Tiers | Rate | APY * | |
|---|
| IRA Savings | $500 - $9999.99 | 0.499% | 0.50% | |
| $10,000 - $49,999.99 | 0.747% | 0.75% |
| $50,000 + | 0.995% | 1.00% |
| Type | Tiers | Rate | APY * | Penalty |
|---|
| 6 Months | $500 Minimum | 0.25% | 0.25% | 90 Days |
| $10,000 Minimum | 0.25% | 0.25% |
| $100,000 Minimum | 0.25% | 0.25% |
| 12 Months | $500 Minimum | 0.349% | 0.35% | 90 Days |
| $10,000 Minimum | 0.349% | 0.35% |
| $100,000 Minimum | 0.349% | 0.35% |
| 24 Months | $500 Minimum | 0.549% | 0.55% | 180 Days |
| $10,000 Minimum | 0.549% | 0.55% |
| $100,000 Minimum | 0.549% | 0.55% |
| 36 Months | $500 Minimum | 0.747% | 0.75% | 180 Days |
| $10,000 Minimum | 0.747% | 0.75% |
| $100,000 Minimum | 0.747% | 0.75% |
| 48 Months | $10,000 Minimum | 0.847% | 0.85% | 180 Days |
| $100,000 Minimum | 0.847% | 0.85% |
| 60 Months | $10,000 Minimum | 1.094% | 1.10% | 180 Days |
| $100,000 Minimum | 1.094% | 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.
