| PROSPECTIVE DIVIDEND RATES |
| Account Type |
Min. Deposit to Open |
Min. Balance to Obtain APY* |
APY |
Dividend Rate |
| Share Savings (S1) |
$5.00 |
$100.00 |
.25% |
.25% |
| Christmas Share Savings (S25) |
$5.00 |
$100.00 |
.25% |
.25% |
| IRA Share Savings (S50,51,52,53,54) |
$5.00 |
$100.00 |
.35% |
.35% |
| Other Secondary Savings (S2,S5) |
$5.00 |
$100.00 |
.25% |
.25% |
| Kirby Share Savings (S7) |
$5.00 |
$5.00 |
.50% |
.50% |
| Status One Savings (S6, S16) |
$5.00 |
$5.00 |
.50% |
.50% |
| Share draft/checking (S9) |
$100.00 |
$1,000.00 |
.05% |
.05% |
| Business Checking (S18) |
$500.00 |
$2,500.00 |
.05% |
.05% |
| Money Market (S4) |
$0.00 |
$1,000.00 - $49,999 |
.50% |
.50% |
| Money Market (S4) |
$0.00 |
$50,000 - $99,999 |
1.00% |
1.00% |
| Money Market (S4) |
$0.00 |
$100,000 + |
1.21% |
1.20% |
*Daily balance (the amount of principle in the account at the end of each day)
*Dividends are accrued daily and are paid quarterly.
•• Rates subject to Change. APY = Annual Percentage Yield
Fees may reduce earnings on Share Savings Accounts.
For Share Savings, Christmas, IRA, Kirby and Status One Share Savings Accounts, rates may vary after the account is opened.
For Share Savings, Christmas, IRA, Kirby and Status One Share Savings Accounts, APY is accurate as of the last dividend declaration date. |
Rates as of February 26, 2010 |
| TERM SHARE CERTIFICATES |
| Term |
Minimum Deposit to Open |
APY* |
Interest Rate * |
| 3 Months |
$500.00 |
.65% |
.65% |
| 6 Months |
$500.00 |
.80% |
.80% |
| 1 Year |
$500.00 |
1.05% |
1.04% |
| 2 Years |
$500.00 |
1.55% |
1.54% |
| 3 Years |
$500.00 |
2.10% |
2.08% |
| 4 Years |
$500.00 |
2.50% |
2.47% |
| 5 Years |
$500.00 |
2.80% |
2.76% |
Deduct 10 basis points for a monthly payment. No deduction for quarterly payment. In both situations APR=APY. For ages 20 & under, minumum of $100 for Term Share Certificates.
Can add-on to any new Term Share Certificate opened after Jan 1, 2009 up to $5000 maximum/$100 minumum per month. |
Rates as of February 26, 2010 |
| TERM SHARE CERTIFICATE SPECIALS |
| Term |
Minimum Deposit to Open |
APY* |
Interest Rate* |
| 9 Month |
$500.00 |
1.05% |
1.05% |
| 9 Month |
$100,000.00 |
1.15% |
1.14% |
| 18 Month |
$500.00 |
1.40% |
1.39% |
| 18 Month |
$100,000.00 |
1.50% |
1.49% |
| 27 Month |
$500.00 |
N/A |
N/A |
| 27 Month |
$100,000.00 |
N/A |
N/A |
| 42 Month |
$500.00 |
2.40% |
2.37% |
| 42 Month |
$100,000.00 |
2.55% |
2.52% |
| 25 Month 1 Time Bump |
$500.00 |
2.00% |
1.98% |
| 25 Month 1 Time Bump |
$100,000.00 |
2.00% |
1.98% |
* Please contact a Member Service Representative for further information about applicable fees and terms. An early withdrawal penalty may exist.
THESE ARE PROSPECTIVE DIVIDEND RATES.
Dividends are accrued daily. They are paid and compounded quarterly.
Deduct 10 basis points for a monthly payment. There is no deduction for a quarterly payment. APR equals APY in both situations.
For ages 20 & under, minimum is $100.00 for Term Share Certificates.
Can add-on to any new Term Share Certificate opened after Jan 1, 2009 up to $5000 maximum/$100 miniumum per month. |
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