Rates

 Checking & Savings Rates

Account Type	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield (APY)	Minimum Balance to Obtain APY
55 & Better Checking/Super NOW Checking*	$1,000	0.15% 0.20% 0.25%	0.15% 0.20% 0.25%	$1,000-$9,999 $10,000-$19,999 $20,000 & Over
Money Market*	$2,500	0.40% 0.45% 0.50% 0.55% 0.70%	0.40% 0.45% 0.50% 0.55% 0.70%	$2,500-$24,999 $25,000-$49,999 $50,000-$74,999 $75,000-$99,999 $100,000 & Over
Regular Savings**	$100	0.20% 0.25% 0.30%	0.20% 0.25% 0.30%	$100-$24,999 $25,000-$49,999 $50,000 & Over
Junior Savings**	$25	0.20% 0.25% 0.30%	0.20% 0.25% 0.30%	$100-$24,999 $25,000-$49,999 $50,000 & Over

 

*Interest paid Monthly – Interest Rate may change after account is opened

**Interest paid May & November - Interest Rate may change after account is opened

Fees may reduce earnings

Certificates of Deposit (CD’s)

 

Term	Minimum Opening Deposit	Interest Rate Under $100,000	Annual Percentage Yield (APY) Under $100,000	Interest Rate $100,000 & Over	Annual Percentage Yield (APY) $100,000 & Over
6 Months	$1,000	0.60%	0.60%	0.65%	0.65%
12 Months	$1,000	0.80%	0.80%	0.85%	0.85%
18 Months	$1,000	0.85%	0.85%	0.90%	0.90%
24 Months	$1,000	0.85%	0.85%	0.90%	0.90%
30 Months	$1,000	0.95%	0.95%	1.00%	1.00%
36 Months	$1,000	1.05%	1.05%	1.10%	1.10%
48 Months	$1,000	1.10%	1.10%	1.15%	1.15%
60 Months	$1,000	1.25%	1.25%	1.30%	1.30%

 

Substantial penalty for early withdrawal will be imposed

Automatically renewable at current rates

Individual Retirement Accounts (IRA’s)

Term	Minimum Opening Deposit	Interest Rate Under $100,000	Annual Percentage Yield (APY) Under $100,000	Interest Rate $100,000 & Over	Annual Percentage Yield (APY) $100,000 & Over
12 Months	$1,000	0.65%	0.65%	0.70%	0.70%
18 Months	$1,000	0.70%	0.70%%	0.75%	0.75%
24 Months	$1,000	0.70%	0.70%	0.75%	0.75%
30 Months	$1,000	0.80%	0.80%	0.85%	0.85%
36 Months	$1,000	0.90%	0.90%	0.95%	0.95%
48 Months	$1,000	0.95%	0.95%	1.00%	1.00%
60 Months	$1,000	1.0%	1.0%	1.05%	1.05%

 

Depositor may not withdraw until age 59 ½

Substantial withdrawal penalty and Federal Tax penalty will be assessed for early withdrawal

(Contact tax advisor for additional information)

Automatically renewable at current rates

 MEMBER FDIC  

 For more information about FDIC insurance coverage, visit: www.fdic.gov