SHARE/CD/IRA Rates
Rates Effective 02/09/2010
Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice.
Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice.
| ACCOUNT | APY | RATE | MIN BALANCE | VALID |
| Regular Savings (S1) All Purpose Savings (S2) | .34% | .34% | $5 | Fourth Quarter 2009 |
| Holiday Savings Club (S3) | .35% | .35% | None | 11/01/2009 - 10/31/2010 |
| Plus Savings (S4) If minimum not maintained rate defaults to lower savings rate | .53% .25% | .53% .25% | $2000 | February 2010 |
| Liquid Gold Savings (S5) If minimum not maintained rate defaults to lower savings rate | 1.01% .25% | 1.01% .25% | $25,000 | February 2010 |
| Checking (Share Draft) | 0% | 0% | $0.00 | N/A |
| BALANCE | 6 MONTHS | 1 YEAR | 2 YEAR'S | 3 YEAR'S | 4 YEAR'S | 5 YEAR'S | ||||||
| APY | Rate | APY | Rate | APY | Rate | APY | Rate | APY | Rate | APY | Rate | |
| Youth CD $250 | 1.00 | 1.00 | 1.50 | 1.49 | 1.75 | 1.74 | ||||||
| $2,000 - $4,999 | .60 | .60 | .85 | .85 | 1.65 | 1.64 | 2.00 | 1.98 | 2.40 | 2.37 | 2.80 | 2.76 |
| $5,000 - $9,999 | .70 | .70 | .95 | .95 | 1.75 | 1.74 | 2.05 | 2.03 | 2.50 | 2.47 | 2.90 | 2.86 |
| $10,000 - $24,999 | .90 | .90 | 1.05 | 1.04 | 1.85 | 1.83 | 2.10 | 2.08 | 2.60 | 2.57 | 3.00 | 2.96 |
| $25,000+ | 1.00 | 1.00 | 1.15 | 1.14 | 1.95 | 1.93 | 2.15 | 2.13 | 2.70 | 2.67 | 3.20 | 3.15 |
| BALANCE | 1 YEAR | 2 YEAR'S | 3 YEAR'S | 4 YEAR'S | 5 YEAR'S | |||||
| APY | Rate | APY | Rate | APY | Rate | APY | Rate | APY | Rate | |
| $2,000 - $24,999 | 1.10 | 1.095 | 1.75 | 1.74 | 2.10 | 2.08 | 2.60 | 2.57 | 3.15 | 3.11 |
| $25,000+ | 1.15 | 1.14 | 1.70 | 1.69 | 2.15 | 2.13 | 2.70 | 2.67 | 3.20 | 3.16 |
IRA VARIABLE RATE 01/01/2010 thru 03/31/2010 1.48% APY 1.49% Rate
CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS (Not applicable to CD Specials)
CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS (Not applicable to CD Specials)
- E-Statements Add .05
- New Money Bonus Add .05
- Loyalty Bonus Add .10 to any CD with a loan balance of $15,000 or more
- No early redemptions on CD's with credit union when reinvesting.
- No loyalty or new money bonus with rate matches. (Effective September 29, 2009, only matching local credit unions for certificate of deposits and IRA certificate of deposits).