Savings Rates Minimum
balances required to earn stated yield Rates as of March 1, 2013 |
Dividends on saving declared by the Board of Directors at the end of each quarter. |
TERM | APR | APY | |
Regular Savings, Sub Savings, Holiday Club | |||
$5 minimum to open account. $200 min. balance to earn dividend | |||
0.25% | 0.25% | ||
Money Market $2,000 minimum to earn dividends | |||
$2,000 minimum | 0.15% | 0.15% | |
$5,000 minimum | 0.15% | 0.15% | |
$20,000 minimum | 0.25% | 0.25% | |
$50,000 minimum | 0.35% | 0.35% | |
$100,000 minimum | 0.55% | 0.55% | |
Kid's Club No minimum balance, pays Dividends Quarterly | |||
0.50% | 0.51% | ||
Savings Certificates Penalty for early withdrawal | |||
$1,000 minimum | |||
3 months | 0.10% | 0.10% | |
6 months | 0.15% | 0.15% | |
12 months | 0.25% | 0.25% | |
18 months | 0.50% | 0.51% | |
24 months | 0.75% | 0.77% | |
36 months | 1.00% | 1.01% | |
60 months | 1.25% | 1.26% | |
$5,000 minimum | |||
6 months | 0.25% | 0.26% | |
12 months | 0.35% | 0.36% | |
18 months | 0.45% | 0.46% | |
24 months | 0.50% | 0.51% | |
36 months | 0.75% | 0.76% | |
60 months | 1.00% | 1.01% | |
$10,000 minimum | |||
6 months | 0.25% | 0.26% | |
12 months | 0.50% | 0.51% | |
18 months | 0.65% | 0.67% | |
24 months | 0.85% | 0.86% | |
36 months (3 years) | 1.00% | 1.01% | |
60 months (5 years) | 1.25% | 1.26% | |
$50,000 minimum | |||
6 months | 0.25% | 0.26% | |
12 months | 0.50% | 0.51% | |
18 months | 0.65% | 0.66% | |
24 months | 0.85% | 0.86% | |
36 months (3 years) | 1.00% | 1.01% | |
60 months (5 years) | 1.25% | 1.26% | |
$100,000 minimum | |||
6 months | 0.25% | 0.26% | |
12 months | 0.50% | 0.51% | |
18 months | 0.65% | 0.66% | |
24 months | 0.85% | 0.86% | |
3 years | 1.00% | 1.01% | |
5 years | 1.25% | 1.26% | |
IRA Certificates Please see your tax advisor for all investment options. Penalty for early withdrawal | |||
$250 minimum | |||
1 year | 0.75% | 0.77% | |
2 years | 1.00% | 1.01% | |
3 years | 1.50% | 1.51% | |
4 years | 1.75% | 1.77% | |
5 years | 2.00% | 2.02% | |
$5,000 minimum | |||
1 year | 0.75% | 0.77% | |
2 years | 1.00% | 1.01% | |
3 years | 2.00% | 2.02% | |
4 years | 2.25% | 2.28% | |
5 years | 2.50% | 2.53% | |
$10,000 minimum | |||
1 year | 0.25% | 0.26% | |
2 years | 0.35% | 0.36% | |
3 years | 0.45% | 0.46% | |
4 years | 0.50% | 0.51% | |
5 years | 0.75% | 0.76% | |
Certificate Divs. paid monthly. Substantial penalty for early
withdrawal. APR=Annual Percentage Rate, APY=Annual Percentage Yield All rates are subject to change. Longer Terms for regular certificates available. Early withdrawals from IRA Certificates will incur a penalty and may incur IRS penalties and tax assessments. |