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Checking/Savings Rates

Rates Effective July 28, 2010


Shares Rates
   Certificate Account Disclosure    Fee Brochure

Share Certificates
Minimum to Open $500
$500
$3,499.99
$3,500.00
$9,999.99
$10,000.00
$49,999.99
$50,000.00
$99,999.99
$100,000 +
 
 
APY*
APY*
APY*
APY*
APY*
3-5 month
0.03%
0.03%
0.03%
0.03%
0.03%
6-11 month
0.08%
0.08%
0.15%
0.18%
0.20%
12-23 month
0.25%
0.25%
0.30%
0.35%
0.35%
24-35 month
0.18%
0.18%
0.18%
0.18%
0.18%
36-47 month
0.23%
0.23%
0.23%
0.23%
0.23%
48-59 month
0.28%
0.28%
0.28%
0.28%
0.28%
60 month
0.33%
0.33%
0.33%
0.33%
0.33%
7 month liquid
minumum to open $10,000
0.35%
0.35%
0.35%
 
 
Traditional IRA Savings
0.00%
0.10%
0.20%
0.30%
0.40%
Roth IRA Savings
0.00%
0.10%
0.20%
0.30%
0.40%
Coverdell Educational Savings
0.00%
0.10%
0.20%
0.30%
0.40%
Minimum to Open $500
$500
$3,499.99
$3,500.00
$9,999.99
$10,000.00
$49,999.99
$50,000.00
$99,999.99
$100,000 +
 
 
APY*
APY*
APY*
APY*
APY*
3-5 month
0.03%
0.03%
0.03%
0.03%
0.03%
6-11 month
0.08%
0.08%
0.15%
0.18%
0.20%
12-23 month
0.25%
0.25%
0.30%
0.35%
0.35%
24-35 month
0.18%
0.18%
0.18%
0.18%
0.18%
36-47 month
0.23%
0.23%
0.23%
0.23%
0.23%
48-59 month
0.28%
0.28%
0.28%
0.28%
0.28%
60 month
0.33%
0.33%
0.33%
0.33%
0.33%
 
  $0
$3,499.99
$3,500.00 $9,999.99 $10,000.00
$49,999.99
$50,000.00
$99,999.99
$100,000 +
APY*
APY*
APY*
APY*
APY*
Regular Share 
0.00%
0.05%
0.05%
0.05%
0.05%
Single Service
0.00%
0.05%
0.05%
0.05%
0.05%
Special
0.00%
0.05%
0.05%
0.05%
0.05%
Holiday Club
0.00%
0.05%
0.05%
0.05%
0.05%
 
Access Freedom  
non-dividend earning account
Access 
non-dividend earning account
Club Premier
0.00%
0.05%
0.05%
0.05%
0.05%
Premium Checking
  
  (Non-Qualifying)  
0.05%
0.05%
0.05%
0.05%
0.05%
  (Qualifying
  $0-$20,000)
3.01%
3.01%
0.00%
0.00%
0.00%
  (Qualifying
  $20,000.01 & above)
0.25%
0.25%
0.25%
0.25%
0.25%
 
Regular Money Market
minimum to open $2000
0.00%
0.05%
0.10%
0.15%
0.15%
Super Money Market
minimum to open $50,000
0.00%
0.05%
0.10%
0.20%
0.25%
 
Business Savings
0.00%
0.00%
0.03%
0.03%
0.03%
Business Special Savings
0.00%
0.00%
0.03%
0.03%
0.03%
Business Checking
0.00%
0.05
0.05%
0.05%
0.10%
Business Money Market
0.00%
0.00%
0.10%
0.15%
0.25%
 
*APY is Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings on share accounts; and early withdrawal penalties may apply on share certificate accounts.