Rates are subject to change, please ask for current rates when depositing. Earnings could be reduced by fees and/or early withdrawal penalties. Dividends are forfeited if account is closed before the dividend has been credited to the account. Dividends are credited on the first day of each quarter (January 1st, April 1st, July 1st and October 1st). *APY = Annual Percentage Yield

Savings Rates as of November 19, 2008.

Shares (Savings) and Club Accounts

0.50% APY*

 

Share Draft Accounts (Checking Accounts)
0 to $2,999	$3,000 & Up
0.15% APY*	0.25% APY*

 

Term Share Certificates (CDs)
Term	Minimum Balance	Rate	APY*
3 Months	$1,000	1.74%	1.75%
6 Months	$1,000	2.03%	2.05%
1 Year	$1,000	2.33%	2.35%
18 Months	$500	2.38%	2.40%
2 Years	$1,000	2.53%	2.55%
30 Months	$1,000	2.67%	2.70%
3 Years	$1,000	2.97%	3.00%
42 Months	$1,000	3.16%	3.20%
4 Years	$1,000	3.36%	3.40%

 

IRA Certificates (CDs)
Term	Minimum Balance	Rate	APY*
1 Year	$1,000	2.33%	2.35%
2 Years	$1,000	2.53%	2.55%
3 Years	$1,000	2.97%	3.00%
4 Years	$1,000	3.36%	3.40%

 

IRA Shares
0 to $1,000	$1,001 to $10,000	$10,001 to $25,000	$25,001 & Up
0.50% APY*	0.75% APY*	1.00% APY*	1.51% APY*

 

Savings Plus
Minimum Balance	Rate	APY*
0 to $999	0.50%	0.50%
$1,000 to $24,999	1.75%	1.76%
$25,000 and up	2.35%	2.38%

 

Jumbo Term Share Certificates (CDs)
Term	Minimum Balance	Rate	APY*
1 Month	$100,000	2.13%	2.15%
3 Months	$100,000	2.33%	2.35%
6 Months	$100,000	2.72%	2.75%
1 Year	$100,000	2.97%	3.00%