Share Rates

Share Rates
Description Computed Compounding & Crediting Min. to Earn Dividend Min. Balance to Open Dividend Rate APY
Regular Savings Avg. Daily Balance Qrtly $50 $25 0.03% 0.03%
Silver Savings Avg. Daily Balance Qrtly $50 $5 0.03% 0.03%
Christmas Club & All Other Share Accts. Avg. Daily Balance Qrtly $50 $5 0.03% 0.03%
Money Mountaineer Avg. Daily Balance Qrtly $10 $5 0.03% 0.03%
Money Market Daily Balance Monthly Above $4999.99 $1,000 0.03% 0.03%
Money Market Daily Balance Monthly $1,000-$4999.99 $1,000 0.03% 0.03%
Money Market Daily Balance Monthly $999.99-$50 $1,000 0.03% 0.03%
IRA Avg. Daily Balance Qrtly $50 $5 0.03% 0.03%
Expandachek Avg. Daily Balance Monthly $1,000 $50 0.01% 0.01%

Share rates effective - January 1, 2013: Rates are subject to change without notice. Dividends will be compounded and credited to your account every quarter. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. Balances under $50.00 do not earn interest.

Change in Terms - Your Funds Availablility Policy: Due to changes in Federal Regulation CC, your funds availability policy has changed. Depending on the type of check you deposit, your funds may not be available until the second business day after you deposit. If we need to delay your ability to withdraw funds, they will be available no later than the seventh business day.

Account Disclosures

Certificate Rates
Min Deposit Term (Days) Description Dividend Rate APY
$1,000 91 3 Month 0.03% 0.03%
$1,000 182 6 Month 0.03% 0.03%
$1,000 365 12 Month 0.03% 0.03%
$1,000 547 18 Month 0.03% 0.03%
$1,000 730 24 Month 0.03% 0.03%
$1,000 912 30 Month 0.03% 0.03%
$500 365 12 Month 0.03% 0.03%
$500 547 18 Month 0.03% 0.03%
$500 912 30 Month 0.03% 0.03%
$10,000 91 3 Month Jumbo 0.03% 0.03%
$10,000 182 6 Month Jumbo 0.03% 0.03%
$10,000 365 12 Month Jumbo 0.03% 0.03%
$10,000 365 24 Month Jumbo 0.03% 0.03%
$10,000 1095 36 Month Jumbo 0.03% 0.03%
$10,000 1460 48 Month Jumbo 0.03%  
$1,000 730 2 Yr Fixed IRA 0.03% 0.03%
$1,000 1460 4 Yr Fixed IRA 0.03% 0.03%

Certificate rates effective - January 1, 2013: Dividends will be compounded and credited to the account every 90 days, unless otherwise paid. Upon opening the account, you will receive a detailed list of account terms and conditions.

APY - Annual Percentage Yield