|
|
All
rates quoted as Annual Percentage Yields (APYs) as of July 27, 2010.
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 |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
|
6
Months |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
|
9
Months |
|
0.15% |
0.15% |
0.15% |
0.15% |
|
12
Months |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
| 15
Months |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
|
18
Months |
0.70% |
0.70% |
0.70% |
0.70% |
0.70% |
|
24
Months |
0.90% |
0.90% |
0.90% |
0.90% |
0.90% |
24
Month
Step Up* |
0.75% |
0.75% |
0.75% |
0.75% |
0.75% |
|
30
Months |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
|
36
Months |
1.30% |
1.30% |
1.30% |
1.30% |
1.30% |
36
Month
Step Up* |
1.15% |
1.15% |
1.15% |
1.15% |
1.15% |
42
Months |
1.60% |
|
1.60% |
1.60% |
1.60% |
|
48
Months |
1.70% |
1.70% |
1.70% |
1.70% |
1.70% |
48
Month
Step Up* |
1.40% |
1.25% |
1.35% |
1.45% |
1.55% |
54
Months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
60
Months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
60
Month
Step Up** |
1.10% |
|
1.10% |
1.10% |
1.10% |
| *
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
|
0.20%
|
$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 |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
|
12
Months |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
|
24
Months |
1.10% |
1.10% |
1.10% |
1.10% |
1.10% |
1.10% |
|
30
Months |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
|
36
Months |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
| 48
Months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
|
60
Months |
1.90% |
1.90% |
1.90% |
1.90% |
1.90% |
1.90% |
60
Month
IRA Step Up** |
1.20% |
1.20% |
1.20% |
1.20% |
1.20% |
1.20% |
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 |
0.15%
|
|
$2,000.00
- $10,000.00 |
0.15% |
|
$10,000.01
- $20,000.00 |
0.15% |
|
$20,000.01
- $40,000.000 |
0.15% |
|
$40,000.01
& Over |
0.15% |
| 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 |
0.15% |
| $25,000.00
& Over |
0.20%
|
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 |
0.20% |
| $250,000
& Over |
0.20% |
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. |
| |
|
|
| |
|
