RatesDeposit RatesCheckingRates effective May 12, 2010| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | Share Draft Plus | .05% | .05% | Any | Any | | | Dividends accrue daily on the balance maintained in the account. The Dividend rate is subject to change daily, without notice. There is no minimum balance required to earn dividends. A $500 average daily balance is required to avoid a monthly service charge. Monthly service charge is $5.00 if the average daily balance falls below $500.00.
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SavingsRates effective July 9, 2010| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | Share Account | .10% | .10% | $25.00 | $25.00 | | | | Youth Savings Accounts | .75% | .75% | $25.00 | $25.00 | | | | Club Accounts | .10% | .10% | | | | | Dividends accrue based on the daily balance maintained in the account. All dividend rates listed are subject to change daily without notice.
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CertificatesRates effective July 9, 2010| Account Type | Dividend | APY | Minimum Balance | | | 3 Month Certificate | .60% | .60% | $500 minimum balance | | | | 6 Month Certificate | .65% | .65% | $500 minimum balance | | | | 1 Year Certificate | .90% | .90% | $1000 minimum balance | | | | 2 Year Certificate | 1.40% | 1.41% | $1000 minimum balance | | | | 3 Year Certificate | 1.70% | 1.71% | $1000 minimum balance | | | | 4 Year Certificate | 1.70% | 1.71% | $1000 minimum balance | | | | 5 Year Certificate | 2.75% | 2.79% | $1000 minimum balance | | | The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Please refer to our Truth-In-Savings disclosure for details.
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IRAsRates effective July 9, 2010| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | IRA Savings | .60% | .60% | $100.00 | $100.00 | | | | 1 Year IRA Certificate | .90% | .90% | $500 | | | | The IRA Savings minimum balance is required to earn dividends. The certificate minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
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Money Market AccountsRates effective July 9, 2010| Account Type | Dividend | APY | Comments | | | Money Market Account | .40% | .40% | Average Daily Balance $25,000+ | | | | | .30% | .30% | Average Daily Balance $10,000 - $24,999.99 | | | | | .20% | .20% | Average Daily Balance $5,000- $9,999.99 | | | | | .10% | .10% | Average Daily Balance $2,500 - $4,999.99 | | | Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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