Account Rates

All APYs stated are accurate as of 04/03/2014.

Certificates of Deposit (CD)

Term Minimum Amount
to Open
Minimum to Earn
Annual Percentage Yield
APY* Interest Rate
91 Day $500.00   Opening Balance 0.30% 0.30%
6-11 Months $500.00   Opening Balance 0.36% 0.35%
12-17 Months $500.00    Opening Balance  0.46% 0.45%
18-23 Months $500.00    Opening Balance  0.61% 0.60%
24-35 Months $500.00   Opening Balance 0.92% 0.90%
36-47 Months $500.00   Opening Balance 1.12% 1.10%
48-59 Months $500.00   Opening Balance 1.48% 1.45%
60 Months $500.00   Opening Balance 1.89% 1.85%

    *APY=Annual Percentage Yield.  Interest is compounded continuously and updated APY assumes funds will remain on deposit
     until certificate maturity.
A penalty may be imposed for early withdrawal on all certificates of deposit. Certificate rates are subject
     to change each week. 
Once established, an account maintains the initial rate of interest until certificate maturity, unless otherwise
     specified. APY is accurate as of the date stated above.

Money Market NOW Account

Minimum Amount 
to Open
Minimum to Earn 
Annual Percentage Yield
APY* Interest Rate
$1,000.00 $100,000 & Over 0.51% 0.50%
$1,000.00 $50,000 to 99,999.99 0.36% 0.35%
$1,000.00 $10,000 to $49,999.99  0.25% 0.25%
$1,000.00 $2,500 to 9,999.99  0.15% 0.15%
$1,000.00  Under $2,500.00 0.10% 0.10%

   *APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and subject to change weekly.
    Statements include images of your paid checks and are mailed monthly. Account holders have the ability to issue
    a limit of 6 transactions monthly to a third party. Deposits are unlimited. There is a $.20 per check charge.
    Requires maintaining a balance of $1000.00 to avoid a $6 monthly service charge.
Other general service fees may apply.
    Fees may reduce earnings. APY is accurate as of the date stated above.

NOW Personal Checking Account

Minimum Amount 
to Open
APY* Interest Rate
$50.00 0.05% 0.05%

  * APY=Annual Percentage Yield.  Interest is compounded continuously, posted monthly and subject to change weekly.
    No minimum balance is required to earn the stated APY.  Requires maintaining a balance of $250 to avoid a $5 monthly service charge.
    Other general service fees apply. Fees may reduce earnings. APY is accurate as of the date stated above.

NOW Business Checking Account

Minimum Amount 
to Open
Minimum to Earn 
Annual Percentage Yield
APY* Interest Rate
$50.00 $100,000 & Over 0.41% 0.40%
$50.00 $50,000 to $99,999.99 0.25% 0.25%
$50.00 $10,000 to $49,999.99  0.15% 0.15%
$50.00 Under $10,000  0.05% 0.05%

 * APY=Annual Percentage Yield.  Interest is compounded continuously, posted monthly and subject to change weekly.
   No minimum balance is required to earn the stated APY.  There is a monthly service charge of $5.00, a per deposit fee of $.11, and a
   per check charge of $.15. Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.

Passbook Savings

Minimum Amount 
to Open
APY* Interest Rate
$5.00 0.15% 0.15%

   *APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and subject to change weekly. 
    No minimum balance is required.  No monthly service charge. No fee for ACH transactions. Other general service fees may apply.
    Fees may reduce earnings. APY is accurate as of the date stated above.

Variable Rate IRA

Minimum Amount 
to Open
APY* Interest Rate
$50.00 1.28% 1.25%

   *APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and subject to change weekly. 
    No minimum balance is required.  No monthly service charge.  No fee for ACH transactions.  Deposits are unlimited. 
    Consult your tax advisor regarding the tax-saving possibilities and deductibility of your contributions.
    APY is accurate as of the date stated above.
 
 

Christmas Club

Minimum Amount
to Open
APY* Interest Rate
$5.00 0.25% 0.25%

*APY=Annual Percentage Yield.Interest is compounded continuously, posted quarterly and subject to change annually.
No minimum balance is required. No monthly service charge. Deposits are unlimited. No fee for ACH transactions.
Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.