Effective Date: 11/1/2013

Rates are subject to change. Fees may reduce earnings.

Savings Accounts

Membership & Daily Share
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.000.100.10
Money tree
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.00 to $2,499.990.100.10
$2,500.00 to $9,999.990.200.20
$10,000.00 and up0.300.30

Clubs

Christmas Club
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.00-$2000.001.001.00
$2000.01 and up.10.10***

For Christmas Club accounts, the entire balance will be paid to you by a transfer to a designated account or by check on November 1st 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.

***Annual percentage yield is calculated using a range of balances from $2,000.01 to $10,000.00.  A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $2,000.01.

Vacation Club
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.000.100.10

Checking

It Pays To Check With Us
Minimum Balance
Dividend Rate
Annual Percentage Yield
$250.00 to $999.990.100.10
$1,000.00 to $9,999.990.150.15
$10,000.00 and up0.200.20
Classic "50" Checking
Minimum Balance
Dividend Rate
Annual Percentage Yield
$0.00 to $249.000.000.00
$250.00 to $999.990.100.10
$1,000.00 to $9,999.990.250.25
$10,000.00 and up0.400.40
Prestige Checking
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.00 to $999.990.100.10
$1,000.00 to $9,999.990.250.25
$10,000.00 and up0.400.40
Extreme Checking
Minimum Balance
Dividend Rate
Annual Percentage Yield
$0.00 to $500.005.005.12*
$500.01 and up0.100.10 to 0.11**
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 0.10% 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 0.10 % to 0.11 %, 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 5.00%, with an annual percentage yield (APY) of 5.12%.

Deluxe Money Market
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.00 to $4,999.990.100.10
$5,000.00 to $9,999.990.250.25
$10,000.00 and up0.400.40

CD & IRA Rates

Share Certificates
Effective Date:02/20/2014
Rates are subject to change without notice. The Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal.
Minimum Balance
Dividend Rate
Annual % Yield
Term
$1,000.000.1700.1791 days
$1,000.000.3500.35182 days
$1,000.000.5000.501 year
$1,000.000.6000.6018 months
$1,000.000.8000.802 years
$1,000.001.1901.203 years
$1,000.001.2901.304 years
$1,000.001.4901.505 years
$500.000.3500.351 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

 
This calculator will compute the future value and annual percentage rate of your certificate of deposit. (Interest rates under 1.00% will not calculate properly)
Enter the deposit amount ($):
Enter the annual interest rate (%):
Enter the number of months (#):
Compounding interval:
Future value:
Interest earned:
Annual percentage yield (APY):
IRA Savings
Minimum Balance
Dividend Rate
Annual Percentage Yield
$5.00 to $9,999.990.150.15
$10,000.00 to $24,999.990.250.25
$25,000.00 and up0.300.30
Note: Penalty fees could reduce the earnings on accounts.

Business Accounts

Business Checking
Minimum Balance
Dividend Rate
Annual Percentage Yield
$2,500.00 and up0.350.35
VIP Business Checking
Minimum Balance
Dividend Rate
Annual Percentage Yield
$2,000.00 and up0.400.40
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