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 Early redemption penalty of 90 days loss of dividends on the amount withdrawn.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 Early redemption penalty of 90 days loss of dividends on the amount withdrawn.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% |
