Savings Rates
Effective Date: 3/22/2013
Rates are subject to change. Fees may reduce earnings.
Savings Accounts
Membership & Daily Share
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 | 0.10 | 0.10 |
Money tree
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 to $2,499.99 | 0.10 | 0.10 |
| $2,500.00 to $9,999.99 | 0.25 | 0.25 |
| $10,000.00 and up | 0.35 | 0.35 |
Clubs
Christmas Club
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 | 1.00 | 1.00 |
For Christmas Club accounts, the entire balance will be paid to you by a transfer to a designated account or by check on November 1
st and the account will remain open. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club accounts, you must close it. If you close your Christmas Club account, you will be assessed a fee as disclosed in the Services Charges and Fees brochure. For Christmas Club accounts, no fee will be charged if the closure occurs within seven (7) days of the date the account is opened.
Vacation Club
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 | 0.10 | 0.10 |
Checking
It Pays To Check With Us
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $250.00 to $999.99 | 0.10 | 0.10 |
| $1,000.00 to $9,999.99 | 0.15 | 0.15 |
| $10,000.00 and up | 0.30 | 0.30 |
Classic "50" Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $0.00 to $249.00 | 0.00 | 0.00 |
| $250.00 to $999.99 | 0.10 | 0.10 |
| $1,000.00 to $9,999.99 | 0.25 | 0.25 |
| $10,000.00 and up | 0.40 | 0.40 |
Prestige Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 to $999.99 | 0.10 | 0.10 |
| $1,000.00 to $9,999.99 | 0.25 | 0.25 |
| $10,000.00 and up | 0.40 | 0.40 |
Extreme Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $0.00 to $500.00 | 7.25 | 7.50* |
| $500.01 and up | 0.15 | 0.15 to 0.16** |
Must be over age 18. $5.00 monthly fee if balance falls below $500.
** Annual percentage yield is calculated using a range of balances from 500.01 to $100,000.00. A dividend rate of 0.15% will be paid only on the portion of your daily balance that is greater than $500.01. The annual percentage yield (APY) for this tier will range from 0.15 % to 0.16 %, depending on the balance in the account. * If your daily balance is $500 or less, the dividend rate paid on the entire balance will be 7.25%, with an annual percentage yield (APY) of 7.50%.
Deluxe Money Market
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 to $4,999.99 | 0.10 | 0.10 |
| $5,000.00 to $9,999.99 | 0.30 | 0.30 |
| $10,000.00 and up | 0.40 | 0.40 |
CD & IRA Rates
Share Certificates
Effective Date:4/22/2013
Rates are subject to change. The Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal.
| Minimum Balance | Dividend Rate | Annual Percentage Yield | Term |
| $1,000.00 | 0.200 | 0.20 | 91 days |
| $1,000.00 | 0.250 | 0.25 | 182 days |
| $1,000.00 | 0.500 | 0.50 | 1 year |
| $1,000.00 | 0.650 | 0.65 | 18 months |
| $1,000.00 | 0.800 | 0.80 | 2 years |
| $1,000.00 | 1.000 | 1.01 | 3 years |
| $1,000.00 | 1.240 | 1.25 | 4 years |
| $1,000.00 | 1.540 | 1.55 | 5 years |
| $500.00 | 0.250 | 0.25 | 1 year flex |
*IRA CDs are available for most Share Certificate terms over 1 year. Rates same as above.
*Young Saver’s CD’s have a $250.00 minimum balance. Rates same as above. All terms are open for additional deposits excluding the three month, six month, and specials for Young Saver’s Club members.
*Certificate Specials will not auto renew and will transfer to the account of your choice.
Certificate of Deposit Calculator
IRA Savings
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $5.00 to $9,999.99 | 0.25 | 0.25 |
| $10,000.00 to $24,999.99 | 0.35 | 0.35 |
| $25,000.00 and up | 0.40 | 0.40 |
Note: Penalty fees could reduce the earnings on accounts.
Business Accounts
Business Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $2,500.00 and up | 0.35 | 0.35 |
VIP Business Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
| $2,000.00 and up | 0.40 | 0.40 |
