Rates

Share Rates $25 minimum investment

Annual Percentage Yield is accurate as of June 2010. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.

  • If you close your share account before dividends are paid, you will not receive the accrued dividends.

    Account Type Minimum Opening
    Deposit    		 Minimum Balance
    to Earn APY    		 Limitations* Dividend Rate Annual
    Percentage
    Yield
    Dividends will be compounded monthly and paid quarterly based on Average Daily Balance.
    Regular Share Account $25.00 $100.00 Transfer* 0.25% 0.25%
    Christmas Club Share Account $25.00 $100.00 Transfer & Withdrawal*

    0.25%

    		 0.25%
    Vacation Club Share Account $25.00 $100.00 Transfer & Withdrawal* 0.25% 0.25%
    Special Organization Club Share Savings Account $25.00 $100.00 Transfer* 0.25% 0.25%
    Youth Account $5.00 $100.00 Limitations Transfer* 0.50% 0.50%
    Money Market Account $2500.00 $2500.00 Limitations* 0.50% 0.50%
    IRA Savings Account
      Traditional
      Coverdell Education
      Roth
     
    $100.00
    $100.00
    $100.00
     
    $100.00
    $100.00
    $100.00
     
    Transfer*
    Transfer*
    Transfer*
     
    1.25%
    1.25%
    1.25%
     
    1.25%
    1.25%
    1.25%
    Dividends will be paid monthly based on Average Daily Balance.
    Regular Checking Account $25.00 $0.01 Transfer* 0.10% 0.10%
    Youth Checking (14 to 18 years old) $25.00 $0.01 Transfer* 1.10% 1.10%
    * For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.


    Regular & IRA Certificates

    Annual Percentage Yield is accurate as of October 2010. Rates subject to change weekly without prior notice. *$1000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty equal to half of the interest that would be earned upon maturity is imposed for early withdrawal. Fees could reduce earnings on the account.

  • Dividends will be compounded and paid quarterly.
    • Regular Certificates
    Terms $50,000 $25,000 $5,000 $1,000
    2 year 1.00% APY 0.90% APY 0.80% APY 0.75% APY
    1 year 0.75% APY 0.65% APY 0.55% APY 0.50% APY
    6 months 0.50% APY 0.40% APY 0.30% APY 0.25% APY
    IRA Certificates
    Terms $50,000 $25,000 $5,000 $1,000
    2 year 2.30% APY 2.20% APY 2.10% APY 2.00% APY
    1 year 2.20% APY 2.10% APY 2.00% APY 1.75% APY
    * For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.
    The above rates are for the minimum balance of $1000, higher rates are available with larger deposit balances.