Savings & Investment Rates
| Current Dividend Rates (Rates effective November 8, 2011) | ||||
| Deposit Account | Account Minimum Balance | Dividend Rate | APY | Dividend Compounding |
| Regular Shares* | $5.00 | .50% | .50% | Monthly |
| Share Drafts | See Note | .15% | .15% | Monthly |
| Special Shares | $5.00 | .50% | .50% | Monthly |
| Money Market** | $2,500.00 | .60% | .60% | Weekly |
| Christmas Club | $5.00 | .75% | .75% | Monthly |
| Regular Share IRA | $10.00 | .50% | .50% | Monthly |
| Regular Share Roth IRA | $10.00 | .50% | .50% | Monthly |
| IRA and Roth IRA Money Market** | $2,500.00 | .60% | .60% | Weekly |
| * A $5.00 minimum balance is required. | ||||
| ** If the Money Market Balance falls below the $2,500 minimum, dividends are paid at the regular share rate | ||||
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. There is no minimum amount required to open a share draft account, and there is no minimum amount required to maintain the account. Share Accounts Truth-in-Savings Disclosure APY = Annual Percentage Yield | ||||
| Current Certificate Rates (Rates effective November 8, 2011) | |||
| Certificate Term | Account Minimum Balance | Dividend Rate | APY |
| 60 Days | $500.00 | .60% | .60% |
| 91 Days | $500.00 | .60% | .60% |
| 6 Months | $500.00 | .75% | .75% |
| 12 Months | $500.00 | .80% | .80% |
| 18 Months | $500.00 | 1.00% | 1.00% |
| 24 Month | $500.00 | 1.15% | 1.15% |
| 30 Months | $500.00 | 1.25% | 1.25% |
| 36 Months | $500.00 | 1.44% | 1.45% |
| 48 Months | $500.00 | 1.59% | 1.60% |
| 60 Months | $500.00 | 1.74% | 1.75% |
| Jumbo Certificate rates offered, call a Member Service Representative for the most recent rates available. The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. After your certificate is opened, the dividend rate is fixed for the term. There is a substantial penalty for early withdrawal of certificate funds. Share Certificate Accounts Truth-in-Savings Disclosures APY = Annual Percentage Yield | |||
| Current Traditional and Roth IRA Certificate Rates (Rates effective Nov 8, 2011) | |||
| Certificate Term | Account Minimum Balance | Dividend Rate | APY |
| 6 Months | $500.00 | .75% | .75% |
| 12 Months | $500.00 | .80% | .80% |
| 18 Months | $500.00 | 1.00% | 1.00% |
| 24 Months | $500.00 | 1.15% | 1.15% |
| 30 Months | $500.00 | 1.25% | 1.25% |
| 36 Months | $500.00 | 1.44% | 1.45% |
| 48 Months | $500.00 | 1.59% | 1.60% |
| 60 Months | $500.00 | 1.74% | 1.75% |
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. After your certificate is opened, the dividend rate is fixed for the term. There is a substantial penalty for early withdrawal of certificate funds. There may be an additional IRA penalty for early withdrawal of IRA funds. Share Certificate Accounts Truth-in-Savings Disclosures APY = Annual Percentage Yield | |||