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| PROSPECTIVE DIVIDEND RATES |
| Account Type |
Min. Deposit to Open |
Min. Balance to Obtain APY* |
APY |
Dividend Rate |
| Share Savings (S1) |
$25.00 |
$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) |
$5.00 |
$5.00 |
.50% |
.50% |
| Status One Savings (S16) |
$25.00 |
$25.00 |
.50% |
.50% |
| Individual Development Acct |
$25.00 |
$100.00 |
.25% |
.25% |
| 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 |
.75% |
.75% |
| Money Market (S4) |
$0.00 |
$100,000 - $249,999.00 |
1.00% |
1.00% |
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*Dividends on Share Savings are paid on the Average Daily Balance 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 September 2, 2010 |
| TERM SHARE CERTIFICATES |
| Term |
Minimum Deposit to Open |
APY* |
Interest Rate * |
| 3 Months |
$1000.00 |
.50% |
.50% |
| 6 Months |
$1000.00 |
.75% |
.75% |
| 1 Year |
$1000.00 |
1.05% |
1.04% |
| 2 Years |
$1000.00 |
1.55% |
1.54% |
| 3 Years |
$1000.00 |
2.00% |
1.98% |
| 4 Years |
$1000.00 |
2.20% |
2.18% |
| 5 Years |
$1000.00 |
2.40% |
2.37% |
| 1 Yr - 5 Yrs (Kirby & Status One accounts) |
$100.00 |
1.30% |
1.29% |
Deduct 10 basis points for a monthly payment. No deduction for quarterly payment. In both situations APR=APY.
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 September 2, 2010 |
| TERM SHARE CERTIFICATE SPECIALS |
| Term |
Minimum Deposit to Open |
APY* |
Interest Rate* |
| 9 Month |
$1000.00 |
1.00% |
1.00% |
| 9 Month |
$100,000.00 |
1.05% |
1.05% |
| 18 Month |
$1000.00 |
1.50% |
1.49% |
| 18 Month |
$100,000.00 |
1.60% |
1.59% |
| 27 Month |
$1000.00 |
N/A |
N/A |
| 27 Month |
$100,000.00 |
N/A |
N/A |
| 42 Month |
$1000.00 |
2.10% |
2.08% |
| 42 Month |
$100,000.00 |
2.20% |
2.18% |
| 25 Month 1 Time Bump |
$1000.00 |
1.80% |
1.78% |
| 25 Month 1 Time Bump |
$100,000.00 |
1.80% |
1.78% |
* Please contact a Member Service Representative for further information about applicable fees and terms. Penalty may be imposed for early withdrawal of Certificates. Withdrawal of earnings could reduce APY.
THESE ARE PROSPECTIVE DIVIDEND RATES.
Dividends on Certificates are compounded and paid quarterly.
Deduct 10 basis points for a monthly payment. There is no deduction for a quarterly payment. APR equals APY in both situations.
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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