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Effective April 30, 2008
| Savings and Checking Rates |
| Product |
Minimum Bal to Earn APY |
Dividend Payment |
Annual Annual Rate Yield(APY) |
Savings Accounts ($5 to open) |
$25 |
Quarterly |
.65% .65% |
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| Certificate Accounts* |
|
|
|
| 3 Months |
$1,000 |
At maturity |
2.65% 2.69% |
| 6 Months |
$1,000 |
At maturity |
2.75% 2.79% |
| 12 Months |
$1,000 |
Quarterly |
2.90% 2.94% |
| 24 Months |
$1,000 |
Quarterly |
3.00% 3.05% |
|
.. |
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| Minor Certificate Accounts* |
|
|
|
| 3 Months |
$500 |
At maturity |
2.65% 2.69% |
| 6 Months |
$500 |
At maturity |
2.75% 2.79% |
| 12 Months |
$500 |
Quarterly |
2.90% 2.94% |
| 24 Months |
$500 |
Quarterly |
3.00% 3.05% |
| |
|
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|
.. |
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|
| IRA Certificates* |
|
|
|
| 3 Months |
$1,000 |
At maturity |
2.65% 2.69% |
| 6 Months |
$1,000 |
At maturity |
2.75% 2.79% |
| 12 Months |
$1,000 |
Quarterly |
2.90% 2.94% |
| 24 Months |
$1,000 |
Quarterly |
3.00% 3.05% |
|
.. |
|
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|
| |
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|
| IRA Money Market |
$1-2,500 |
Monthly |
1.50% 1.51% |
|
$2,501 |
Monthly |
1.50% 1.51% |
| |
$10,001 |
Monthly |
1.75% 1.77% |
| |
$25,001 |
Monthly |
2.00% 2.02% |
| |
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|
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|
| Money Market** |
$2,500 |
Monthly |
1.50% 1.51% |
| |
$10,001 |
Monthly |
1.75% 1.77% |
|
$25,001 |
Monthly |
2.00% 2.02% |
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Dividends are calculated on a simple interest, day of deposit to day of withdrawal basis. Fees or other conditions could reduce earnings. *Variable rate accounts.
**Penalties may be imposed for early withdrawal.
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