|
|
All
rates quoted as Annual Percentage Yields (APYs) as of April 29,
2008.
APYs are subject to change and are accurate as of publication date.
| Certificates
of Deposit |
| |
Minimum
Deposit to Open |
|
Account
Term
|
$2,000.00
|
$10,000.00
|
$25,000.00
|
$50,000.00
|
$99,000.00
|
|
3
Months
|
1.10%
|
1.10%
|
1.10%
|
1.10%
|
1.10%
|
|
6
Months
|
1.25%
|
1.25%
|
1.25%
|
1.25%
|
1.25%
|
|
9
Months
|
1.25% |
1.25% |
1.45% |
1.55% |
1.65% |
|
12
Months
|
1.25%
|
1.25%
|
1.45%
|
1.55%
|
1.65%
|
|
15
Months
|
2.08%
|
2.31%
|
2.44%
|
2.54%
|
2.54%
|
|
18
Months
|
2.70%
|
2.70%
|
2.70%
|
2.70%
|
2.70%
|
|
24
Months
|
2.21%
|
2.21%
|
2.46%
|
2.56%
|
3.02%
|
24
Month
Step Up* |
2.21% |
2.21% |
2.46% |
2.56% |
3.02% |
|
30
Months
|
2.27%
|
2.50%
|
3.01%
|
3.01%
|
3.01%
|
|
36
Months
|
3.00%
|
3.00%
|
3.15%
|
3.15%
|
3.30%
|
36
Month
Step Up* |
3.00% |
3.00% |
3.15% |
3.15% |
3.30% |
|
48
Months
|
3.30%
|
3.30%
|
3.30%
|
3.30%
|
3.67%
|
48
Month
Step Up* |
3.30% |
3.30% |
3.30% |
3.30% |
3.67% |
|
60
Months
|
3.00%
|
3.00%
|
3.00%
|
3.00%
|
3.00%
|
60
Month
Step Up** |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
| *
You are allowed to take one step up during the life of
a 24, 36, or 48 month CD. |
| **
You are allowed to take two steps up during the life of a 60
month CD. |
| |
|
A penalty
may be imposed for early withdrawals.
|
| Individual
Retirement Accounts |
|
Type
of Account
|
Term
|
Annual
Percentage Yield
|
Minimum
Deposit to Open |
|
IRA
Accumulator
|
Monthly
|
1.00%
|
$50.00
|
| A minimum
deposit of $50.00 is required to open an IRA Accumulator account.
Rates change monthly and interest is paid monthly. |
| Individual
Retirement Accounts—Certificates |
| |
Minimum
Deposit to Open
|
|
Account
Term
|
$500.00
|
$2,000.00
|
$10.000.00
|
$25,000.00
|
$50,000.00 |
$99,000.00
|
|
6
Months
|
0.80%
|
1.25%
|
1.25%
|
1.25%
|
1.25%
|
1.25%
|
|
12
Months
|
1.00%
|
1.25%
|
1.25%
|
1.45%
|
1.55%
|
1.65%
|
|
24
Months
|
1.30%
|
2.21%
|
2.21%
|
2.46%
|
2.56%
|
3.02%
|
|
30
Months
|
1.50%
|
2.27%
|
2.50%
|
3.01%
|
3.01%
|
3.01%
|
|
36
Months
|
1.80%
|
3.00%
|
3.00%
|
3.15%
|
3.15%
|
3.30%
|
| 48
Months |
2.55%
|
3.30%
|
3.30%
|
3.30%
|
3.30%
|
3.67%
|
|
60
Months
|
3.05%
|
3.00%
|
3.00%
|
3.00%
|
3.00%
|
3.00%
|
With a
$2,000 investment, Roth and Traditional term IRAs are
available for terms from 6 to 60 months.
**For a $500 investment, members may purchase an Educational
term IRA.
A penalty may be imposed for early withdrawals. |
| Money
Market Accounts |
|
Average
Daily Balance
|
Annual
Percentage Yield
|
|
Up
to $1,999.99
|
.40%
|
|
$2,000.00
- $10,000.00
|
.80%
|
|
$10,000.01
- $20,000.00
|
.90%
|
|
$20,000.01
- $40,000.000
|
.95%
|
|
$40,000.01
& Over
|
1.00%
|
| Money
Market accounts require a minimum deposit of $2000.00 to open.
APYs are determined weekly. Interest is posted weekly.
Fees may reduce earnings. |
| Premium
Money Market Accounts |
| Average
Daily Balance |
Annual
Percentage Yield
|
|
Up to $24,999.99 |
1.00%
|
| $25,000.00
& Over |
1.10%
|
Premium Money
Market accounts require a minimum deposit of $25,000.00 to open. APYs
are determined monthly. Interest is posted monthly. Fees may
reduce earnings.
| Mega
Money Market Accounts |
| Average
Daily Balance |
Annual
Percentage Yield
|
|
$150,000 to $249,999.99 |
1.60%
|
| $250,000
& Over |
1.85%
|
Mega Money
Market accounts require a minimum deposit of $150,000.00 to
open. APYs are
determined monthly. Interest is posted monthly. |
| |
| Please
contact a Member Service Officer for further information about
applicable fees, rates, and terms at 972-263-9497. |
| |
|
|
| |
|
