Savings Rates

Rates effective as of 2/12/2010. Rates subject to change.

Regular Share Savings
No minimum balance required. Dividends accrue daily and are paid monthly.

Tier Range Dividend Rate APY (Annual Percentage Yield)
<50,000 .25% .25%
>50,000 .50% .50%

Share Certificate
$1,000 minimum balance required. Dividends accrue daily and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
3 months 0.50% 0.50%
6 months 0.75% 0.75%
12 months 1.25% 1.26%
18 months 1.50% 1.51%
24 months 1.60% 1.61%
36 months 1.80% 1.81%
48 months 2.00% 2.02%
60 months 2.50% 2.53%

Share Market Index Certificate

 
Available in 3- and 5-year terms; earns dividends based on the Standard and Poor's Composite Stock Price Index. If the S&P 500 is higher on the day the certificate matures than it was on the day it was established, you earn a percentage of any increase. If it's lower, you don't earn dividends, but your original deposit is returned in full. Early redemption withdrawal is not available.

IRA Share Savings
No minimum balance required. Dividends accrue daily and are paid monthly.

Tier Range Dividend Rate APY (Annual Percentage Yield)
<50,000 .25% .25%
>50,000 .50% .50%

IRA Share Certificate
$1,000 minimum balance required. Dividends accrue daily and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
3 months 0.50% 0.50%
6 months 0.75% 0.75%
12 months 1.25% 1.26%
18 months 1.50% 1.51%
24 months 1.60% 1.61%
36 months 1.80% 1.81%
48 months 2.00% 2.02%
60 months 2.50% 2.53%

IRA Market Index Certificate

 
Available in 3- and 5-year terms; earns dividends based on the Standard and Poor's Composite Stock Price Index. If the S&P 500 is higher on the day the certificate matures than it was on the day it was established, you earn a percentage of any increase. If it's lower, you don't earn dividends, but your original deposit is returned in full. Early redemption withdrawal is not available.

Money Market Accounts
$1,000 minimum balance required. Dividends accrue daily and are paid monthly. $20 fee for each transaction over 5 per month; $20 fee per day for balances less than $1,000.

Tier Range Dividend Rate APY (Annual Percentage Yield)
1,000 – 20,000 .25% .25%
20,001 – 50,000 .50% .50%
50,001 – 75,000 .65% .65%
>75,000 .75% .75%