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Effective January 1, 2013
 Regular Share Savings Account Rates
Annual
Balance
Range |
Dividend
Rate |
Annual
Percentage
Yield |
Minimum to
Earn APY |
Over $5.00 |
.05% |
.05% |
$100.01 |
|
Dividends are compounded and credited quarterly
Holiday/Vacation Club Rates
Annual
Balance
Range |
Dividend
Rate |
Annual
Percentage
Yield |
Minimum to
Earn APY |
Over $5.00 |
.05% |
.05% |
$100.01 |
|
Dividends are compounded and credited quarterly.
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Money Market Rates
Annual
Balance
Range |
Dividend
Rate |
Annual
Percentage
Yield |
$2,500 - 9,999 |
0.05% |
0.05% |
$10,000 - 24,999 |
0.07% |
0.07% |
$25,000 - 49,999 |
0.10% |
0.10% |
Over $50,000 |
0.12% |
0.12% |
|
Dividends are compounded and credited monthly.
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Term Share Certificates of Deposit* Rates
Term |
Dividend
Rate |
Annual
Percentage
Yield |
Platinum** |
Dividend
Rate |
Annual
Percentage
Yield |
6 months |
0.10% |
0.10% |
|
|
12 months
(Super Saver) |
0.10% |
0.10% |
|
|
12 months |
0.15% |
0.15% |
|
|
24 months |
0.20% |
0.20% |
|
|
36 months |
0.35% |
0.35% |
|
|
48 months |
0.45% |
0.45% |
|
|
60 months |
0.65% |
0.65% |
|
|
|
Rates are subject to change without notice. Rates may change at any time.
Rates are fixed for the term of the certificate.
Dividends are compounded and credited monthly.
**Platinum Rates are not available at this time.
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Individual Retirement Account Rates
Account
Type |
Dividend
Rate |
Annual
Percentage
Yield |
Traditional |
0.05% |
0.05% |
Roth |
0.05% |
0.05% |
Educational |
0.05% |
0.05% |
|
Dividends are compounded and credited monthly.
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IRA Certificates of Deposit* Rates (Traditional, Roth & Educational)
Term |
Dividend
Rate |
Annual
Percentage
Yield |
Platinum** |
Dividend
Rate |
Annual
Percentage
Yield |
6 months |
0.10% |
0.10% |
|
|
12 months |
0.15% |
0.15% |
|
|
24 months |
0.20% |
0.20% |
|
|
36 months |
0.35% |
0.35% |
|
|
48 months |
0.45% |
0.45% |
|
|
60 months |
0.65% |
0.65% |
|
|
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Rates are subject to change without notice. Rates may change at any time.
Rates are fixed for the term of the certificate.
Dividends are compounded and credited monthly.
* Early withdrawal penalties (a penalty may be imposed for early withdrawals before maturity)
If your account has an original maturity of six or twelve months: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to the penalty.
If your account has an original maturity of 24, 36, 48, or 60 months: The penalty we may impose will be equal to six months dividends on the amount withdrawn subject to penalty.
**Platinum Rate are not available at this time.
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