The Interest Rates and Annual Percentage Yields listed on the Deposit Accounts below are correct as of July 23, 2008. If CD Specials are offered, the Interest Rates and Annual Percentage Yields (APY) are correct as of the below dates. Interest Rates and Annual Percentage Yields could change at any time and at our discretion. Fees could reduce the earnings on checking accounts. A penalty may be imposed for early withdrawal of any and all certificates of deposit.

 

Certificates of Deposit

Interest Rate APY Min. Bal. to Open and Earn APY 91 DAY 2.00% 2.05% $ 250.00 1 1/2 YEAR 2.59% 2.65% $ 250.00 1 YEAR 2.59% 2.65% $ 250.00 2 1/2 YEAR 2.59% 2.65% $ 250.00 2 YEAR 2.59% 2.65% $ 250.00 3 YEAR 2.59% 2.65% $ 250.00 4 YEAR 2.59% 2.65% $ 250.00 182 DAY 2.88% 2.95% $ 250.00

 

Jumbo Certificates of Deposit

Interest Rate APY Min. Bal. to Open and Earn APY 90-179 DAYS 2.10% 2.15% $ 100,000.00 180-270 DAYS 2.35% 2.40% $ 100,000.00 271-364 DAYS 2.59% 2.65% $ 100,000.00 1 YR - 2 YR 2.68% 2.75% $ 100,000.00 OVER 2 YR 2.68% 2.75% $ 100,000.00

 

Special Certificates of Deposit

Interest Rate APY Min. Bal. to Open and Earn APY 6 Month CD 2.88% 2.95% $ 250.00 13 Month CD 3.55% 3.65% $ 250.00

The Interest Rates and the Annual Percentage Yields (APY) listed on the CD Specials above are correct as of July 23, 2008.

 

IRA Certificates of Deposit

IRA Certificates of Deposit IRA Certificates of Deposit interest rates and APY's, Terms and Minimum Balances To Open and Earn APY's are the same as our Regular and Jumbo Certificate of Deposits.

 

Savings Accounts

Interest Rate APY Min. Bal. to Earn APY Min. Bal. to Open Savings Passbook 1.00% 1.01% $ 10.00 $ 1.00 Statement Savings 1.00% 1.01% $ 10.00 $ 1.00

 

Checking Accounts

Interest Rate APY Min. Bal. to Open and Earn APY > $2,500 Interest Rate > $2,500 APY MMF Account 0.75% 0.75% $ 100.00 1.25% 1.26% NOW Account 0.75% 0.75% $ 100.00 0.75% 0.75% Comm. Club 0.75% 0.75% $ 100.00 0.75% 0.75%