|
|
All
rates quoted as Annual Percentage Yields (APYs) as of November 17,
2009.
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 |
0.25% |
0.25% |
0.25% |
0.25% |
0.25% |
|
6
Months |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
|
9
Months |
0.75% |
0.75% |
0.75% |
0.75% |
0.75% |
|
12
Months |
0.50% |
0.50% |
0.50% |
0.50% |
0.50% |
|
15
Months |
1.20% |
1.30% |
1.40% |
1.40% |
1.40% |
|
18
Months |
0.80% |
0.90% |
1.00% |
1.00% |
1.00% |
|
24
Months |
1.61% |
1.61% |
1.61% |
1.61% |
1.61% |
24
Month
Step Up* |
1.16% |
1.31% |
1.31% |
1.31% |
1.31% |
|
30
Months |
1.90% |
1.90% |
1.90% |
1.90% |
1.90% |
|
36
Months |
2.10% |
2.10% |
2.10% |
2.10% |
2.10% |
36
Month
Step Up* |
1.60% |
1.90% |
1.90% |
1.90% |
1.90% |
42
Months |
2.70% |
|
2.70% |
2.70% |
2.70% |
|
48
Months |
2.30% |
2.40% |
2.50% |
2.60% |
2.70% |
48
Month
Step Up* |
1.90% |
2.00% |
2.10% |
2.20% |
2.30% |
54
Months |
2.70% |
2.80% |
2.90% |
3.00% |
3.10% |
60
Months |
2.60% |
|
2.80% |
2.90% |
3.00% |
60
Month
Step Up** |
1.80% |
2.00% |
2.10% |
2.20% |
2.30% |
| *
You are allowed to take one step up during the life of
a 24, 36, or 48 month Step Up CD. |
| **
You are allowed to take two steps up during the life of a 60
month Step Up 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 |
0.20% |
0.20% |
0.20% |
0.20% |
0.20% |
0.20% |
|
12
Months |
0.40% |
0.40% |
0.40% |
0.40% |
0.40% |
0.40% |
|
24
Months |
1.61% |
1.61% |
1.61% |
1.61% |
1.61% |
1.61% |
|
30
Months |
2.01% |
2.01% |
2.01% |
2.01% |
2.01% |
2.01% |
|
36
Months |
1.90% |
2.00% |
2.10% |
2.20% |
2.30% |
2.30% |
| 48
Months |
2.30% |
2.50% |
2.60% |
2.70% |
2.70% |
2.70% |
|
60
Months |
3.20% |
3.20% |
3.20% |
3.20% |
3.20% |
3.20% |
60
Month
IRA Step Up** |
2.80% |
2.80% |
2.80% |
2.80% |
2.80% |
2.80% |
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.
**
You are allowed to take two steps up during the life of a 60
month Step Up IRA. |
| Money
Market Accounts |
|
Average
Daily Balance
|
Annual
Percentage Yield
|
|
Up
to $1,999.99
|
0.30%
|
|
$2,000.00
- $10,000.00
|
0.30%
|
|
$10,000.01
- $20,000.00
|
0.30%
|
|
$20,000.01
- $40,000.000
|
0.30%
|
|
$40,000.01
& Over
|
0.30%
|
| 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 |
0.30%
|
| $25,000.00
& Over |
0.35%
|
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 |
0.35%
|
| $250,000
& Over |
0.35%
|
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. |
| |
|
|
| |
|
