|
Youth Certificates of Deposits
The following Annual Percentage Yields can change monthly and are set by the Board of Directors. |
| Term |
Annual Percentage Yield |
Minimum Opening Deposit |
Minimum Balance for Dividends |
| 24 Months |
1.85% (V) |
No Minimum |
NA |
| Early withdrawals on Certificates 12 months and under will incur a penalty of 1 month of dividends, whether earned or not. Early withdrawals on Certificates with a term of over 12 months will incur a penalty of 6 months of dividends, whether earned or not. |
|
Special Certificates of Deposits
The following Annual Percentage Yields can change monthly and are set by the Board of Directors. |
| Term |
Annual Percentage Yield |
Minimum Opening Deposit |
Minimum Balance for Dividends |
| 14 Months |
2.65% F |
$500.00 |
$500.00 |
| 09 months |
2.65% F |
$500.00 |
$500.00 |
| Early withdrawals on Certificates 12 months and under will incur a penalty of 1 month of dividends, whether earned or not. Early withdrawals on Certificates with a term of over 12 months will incur a penalty of 6 months of dividends, whether earned or not. A direct deposit of at least $10 a week is required. |
|
Individual Retirement Accounts (Roth, Educational, Traditional)
The following Annual Percentage Yields can change monthly and are set by the Board of Directors. |
| Term |
Annual Percentage Yield |
Minimum Opening Deposit |
Minimum Balance for Dividends |
| 60 Months |
3.15% F |
$500.00 |
$500.00 |
| 48 months |
2.85% F |
$500.00 |
$500.00 |
| 36 months |
2.50% F |
$500.00 |
$500.00 |
| 24 months ** |
1.85% V |
$500.00 |
$500.00 |
| 24 months |
2.40% F |
$500.00 |
$500.00 |
| 18 months |
2.40% F |
$500.00 |
$500.00 |
| 12 months |
2.40% F |
$500.00 |
$500.00 |
| Withdrawals made prior to age 59-1/2 may incur a penalty of 6 months dividends, whether earned or not. Other government penalties will also be incurred for early withdrawals. Please consult your tax attorney or financial planner for specific rules and regulations. |
|
Health Savings Accounts Rates |
| HSAs |
Annual Percentage Yield |
Daily Balance |
| |
3.00% V* |
$25.00 - $2,499.99 |
| |
3.60% V* |
$2,500 and Up |
| Account Closing Fee $25.00 |
|
|
| Variable Rate effective February 2007. |
| |
Savings Rates |
| Account |
Annual Percentage Yield |
Minimum Opening Deposit |
Minimum Balance for Dividends |
Regular Savings
If balance falls below $5, a $3.00 monthly fee is charged. |
0.25% V |
$5.00 |
$25.00 |
Holiday Club
Withdrawals are limited to two per year. |
0.25% V |
$0.00 |
$25.00 |
Vacation Club
No withdrawal limitations. |
0.25% V |
$0.00 |
$25.00 |
| Money Market |
Annual Percentage Yield |
Daily Balance |
| |
2.10% V |
$50,000 & Up |
| |
0.95% V |
$2,500 - $49,999.99 |
| Balances between $1,000 and $2,500 earn regular savings rate. Balances under $1,000 earn no dividends. A $1.00 fee is charged when balance falls below $300. |
| Individual Retirement MMA |
Annual Percentage Yield |
Daily Balance |
| |
2.10% V |
$50,000 & Up |
| |
0.95% V |
$50.00 - $49,999.99 |
V = Variable Rate , F = Fixed Rate
** Variable APY is based on the prior month 24-Month Treasury bill plus .05%, and can change monthly during the term. |
