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Rates effective August 27th, 2008
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CERTIFICATE SPECIALS!
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| Regular or Retirement |
13 Month Fixed
$100 minimum
|
36 Month Fixed
$100 minimum
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|
|
Interest Rate
|
APY
|
Interest Rate
|
APY
|
|
$60,000 - over
|
3.44%
|
3.50%
|
3.54%
|
3.60%
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|
$30,000 - $59,999
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3.44%
|
3.50%
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3.54%
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3.60%
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$10,000 - $29,999
|
3.44%
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3.50%
|
3.54%
|
3.60%
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|
Min. - $9,999
|
3.44%
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3.50%
|
3.54%
|
3.60%
|
| Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. |
| ALL-IN-ONE CHECKING |
Interest Rate
|
APY
|
|
Over $100,000
|
2.25%
|
2.27%
|
|
Min. - $100,000
|
4.42%
|
4.51%
|
| $100 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. Personal accounts only. |
| PRIME SAVER |
Interest Rate
|
APY
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|
$60,000 - over
|
2.25%
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2.27%
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|
$30,000 - $59,999
|
1.50%
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1.51%
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$10,000 - $29,999
|
1.00%
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1.01%
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$2,500 - $9,999
|
0.50%
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0.50%
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$100 - $2,499
|
0.25%
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0.25%
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| $2,500 minimum to open. Below $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required. |
|
| MONEY MARKET |
Interest Rate
|
APY
|
|
$60,000 - over
|
1.80%
|
1.81%
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|
$30,000 - $59,999
|
1.45%
|
1.46%
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$10,000 - $29,999
|
1.45%
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1.46%
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$2,500 - $9,999
|
1.45%
|
1.46%
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| $2,500 minimum to open. Less than minimum earns NOW rate. Less than $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required. |
|
FIXED RATE CERTIFICATES
|
3 Months
|
6 Months
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|
$1,000 minimum to open.
|
Interest Rate
|
APY
|
Interest Rate
|
APY
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| $60,000 - over |
2.30%
|
2.30%
|
3.00%
|
3.00%
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$30,000 - $59,999
|
2.30%
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2.30%
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3.00%
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3.00%
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$10,000 - $29,999
|
2.30%
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2.30%
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3.00%
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3.00%
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|
Min. - $9,999
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2.30%
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2.30%
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3.00%
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3.00%
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| Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. |
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FIXED RATE CERTIFICATES
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|
including retirement certificates. $100 minimum to open
|
12-17 Month
|
18-35 Month
|
37-47 Month
|
48-60 Month
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|
Interest Rate
|
APY
|
Interest Rate
|
APY
|
Interest Rate
|
APY
|
Interest Rate
|
APY
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|
$60,000 - over
|
2.23%
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2.25%
|
2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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$30,000 - $59,999
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2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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$10,000 - $29,999
|
2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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|
Min. - $9,999
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2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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2.23%
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2.25%
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| Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. |
| SMART SAVER CERTIFICATES |
| including retirement certificates. $100 minimum to open. |
Interest Rate
|
APY
|
| $100 - over |
1.72
|
1.73
|
| Less than minimum balance earns no interest. Variable rate account. The rate may change after the account is opened. Maturity - 9 months from initial or last deposit. Early withdrawal penalty may be imposed on certificates. |
| SAVINGS ACCOUNTS |
Interest Rate
|
APY
|
| $60,000 - over |
0.45%
|
0.45%
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|
$30,000 - $59,999
|
0.25%
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0.25%
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$10,000 - $29,999
|
0.20%
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0.20%
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Min. - $9,999
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0.20%
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0.20%
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| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. |
| iSave KIDS ACCOUNTS |
Interest Rate
|
APY
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|
$60,000 - over
|
0.45%
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0.45%
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$30,000 - $59,999
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0.25%
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0.25%
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$10,000 - $29,999
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0.20%
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0.20%
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Min. - $9,999
|
0.20%
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0.20%
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| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. |
| CLUB ACCOUNTS |
Interest Rate
|
APY
|
|
$60,000 - over
|
0.45%
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0.45%
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$30,000 - $59,999
|
0.25%
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0.25%
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$10,000 - $29,999
|
0.20%
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0.20%
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|
Min. - $9,999
|
0.20%
|
0.20%
|
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. |
| NOW ACCOUNTS |
Interest Rate
|
APY
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|
$60,000 - over
|
0.10%
|
0.10%
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$30,000 - $59,999
|
0.10%
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0.10%
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$10,000 - $29,999
|
0.10%
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0.10%
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Min. - $9,999
|
0.10%
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0.10%
|
| $100 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. |
| COMMERCIAL MONEY MARKET |
Interest Rate
|
APY
|
|
$1,000,000 - over
|
2.23%
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2.25%
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$500,000 - $999,999
|
1.74%
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1.75%
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$100,000 - $499,999
|
1.24%
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1.25%
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$2,500 - $99,999
|
1.00%
|
1.00%
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| $2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. |
APY = Annual Percentage Yield
Rates subject to change.
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