Savings and Certificate Rates

Savings, Checking & MMAs

Effective: September 2018

Minimum
Balance
Dividend
Rate
APY*
Primary Share $100 0.25 0.25
Clubs $100 0.25 0.25
Checking 0.00 0.00
IRA Shares 0.25 0.25
MMA ($1,000 – $19,000) $1,000 0.30 0.30
MMA ($20,000 – $49,999) $20,000 0.35 0.35
MMA ($50,000 – $99,999) $50,000 0.40 0.40
MMA ($100,000 – $249,999) $100,000 0.45 0.45
MMA ($250,000 – up) $250,000 0.50 0.50

*APY = Annual Percentage Yield

Annual percentage yields (APY) are subject to change after account is opened. Fees may reduce earnings on your account.

Certificates

Minimum
Balance
Dividend
Rate
APY* Term
Certificates $500 0.30 0.30 6 mons.
$500 0.85 0.85 12 mons.
$500 1.00 1.00 24 mons.
$500 1.35 1.36 36 mons.
$500 1.75 1.76 48 mons.
$500 2.00 2.02 60 mons.
SPECIAL: 1 Penalty Free Withdrawal Certificate $500 0.75 0.75 13 mons.**
JUMBO Certificate $50,000 1.25 1.26 24 mons.
YouthSaver Certificate $500 0.30 0.30 3 mons.

*APY = Annual Percentage Yield

On all Term Share Certificates, other than the 1 penalty free on the 13 month certificate, a penalty will be imposed for early withdrawal. 13 MONTH SHARE CERTIFICATE CONDITIONS – No withdrawals without the certificate. One withdrawal during the term of the account. If the account balance falls below $500 the account must be closed.

**The penalty free withdrawal on the 13 month certificate is subject to the following exception: The withdrawal may not take place within 6 days after initial deposit or within 6 days after each partial withdrawal without paying an early withdrawal penalty of at least seven days simple interest.

IRA Certificates

Minimum
Balance
Dividend
Rate
APY* Term
IRA Certificates $500 0.90 0.90 15 mons.
$500 1.00 1.00 24 mons.
$500 1.35 1.36 36 mons.
$500 1.75 1.76 48 mons.
$500 2.00 2.02 60 mons.
JUMBO Certificate $50,000 1.25 1.26 24 mons.

*APY = Annual Percentage Yield

Penalty will be imposed for early withdrawal on all IRA Certificates.

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