|
|
Rates
| Dividend Rates (effective 2/01 to 2/29/2012) |
| Term of Account |
Minimum Balance |
APY*
|
Dividend Rate |
| Regular Share Savings |
$50,000.00
|
0.60%
|
0.60%
|
|
$20,000.00
|
0.50% |
0.50%
|
|
$1,000.00
|
0.30% |
0.30%
|
|
$100.00
|
0.10% |
0.10%
|
|
$25.00
|
0.00% |
0.00%
|
| Club Accounts |
$25.00
|
0.45% |
0.45%
|
| Money Market Account |
$25,000.00
|
0.60% |
0.60%
|
|
$2,500.00
|
0.40% |
0.40%
|
|
Share Certificates
|
| 6 Month |
$500.00
|
0.35% |
0.35%
|
| 12 Month |
$1,000.00
|
0.55% |
0.55%
|
| 18 Month Bump-Up |
$1,000.00
|
0.85% |
0.85%
|
| 30 Month |
$1,000.00
|
1.21% |
1.20%
|
| 60 Month |
$2,500.00
|
1.97% |
1.95%
|
| |
|
|
|
|
IRA
|
| Variable Rate |
none
|
0.40% |
0.40%
|
|
IRA Share Certificates
|
| 6 Month IRA |
$500.00
|
0.45% |
0.45%
|
| 12 Month IRA |
$1,000.00
|
0.65% |
0.65%
|
| 18 Month Bump-Up IRA |
$1,000.00
|
0.95% |
0.95%
|
| 30 Month IRA |
$1,000.00
|
1.31% |
1.30%
|
| 60 Month IRA |
$2,500.00
|
2.07% |
2.05%
|
| *APY = Annual Percentage Yield (the perspective APY is stated) |
Fees could reduce the earnings on dividends
Early withdrawal penalties on share certificates could reduce earning |
| Loan Rates and Terms |
|
Loan Type
|
|
APR**
|
|
Secured Loans
|
rates as low as |
2.50% |
| |
|
|
| Unsecured Loans |
rates as low as |
8.95% |
| |
|
|
|
Home Equity Loans
|
| |
| Home Equity Loans |
rates as low as |
4.25% |
| |
|
|
|
Visa Credit Cards
|
| |
| Classic |
12.00% |
| Platinum |
9.90% |
| Platinum Intro Rate |
12 months |
5.90% |
| |
| **APR=Annual Percentage Rate |
|
|
