Deposit Rates

Rates Effective as of July 30th, 2014


Certificates of Deposit
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
12 Month Variable Rate*, **
$5,000.00
0.25%
0.25%
91 Day CD*
$1,000.00
0.20%
0.20%
182 Day CD*
$1,000.00
0.30%
0.30%
12 Month CD*
$500.00
0.50%
0.50%
13-23 Month CD*
$500.00
0.50%
0.50%
24-35 Month CD*
$500.00
0.70%
0.70%
36-47 Month CD*
$500.00
1.00%
1.00%
48 Month CD*
$500.00
1.10%
1.10%


Individual Retirement Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
18 Month IRA*
$50.00
0.50%
0.50%
48 Month IRA*
$1,000.00
1.10%
1.10%


Money Market Deposit Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
Money Market Deposit Account**
Daily Balance of $2,500 and up
0.15%
0.15%
Money Market Deposit Account**
Daily Balance of $1,000.00**** - $2,499.99
0.15%
0.15%
Minimum Opening Deposit $2,500.00


NOW Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
NOW Account**
$1,000.00 ***Minimum balance to obtain interest
0.15%
0.15%
Minimum Opening Deposit $1,000.00


Savings Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
Statement Savings**
$200.00
0.15%
0.15%
Christmas Club*
$5.00
0.15%
0.15%

Fees could reduce earnings on the account.
*A penalty may be imposed for early withdrawal.
**The interest rate and annual percentage yield may change after account opening.
***Daily balance. The amount of the principal in the account each day.
****A $1,000.00 minimum balance is required to obtain stated annual percentage yield.