Loan Rates Deposit Rates Schedule
of fees
SCHEDULE OF CURRENT DEPOSIT RATES
Effective November 19, 2008
Share Accounts
|
| Type Of Account |
Dividend Rate |
A.P.Y |
Minimum |
| SHARE SAVINGS ACCOUNT |
1.24% |
1.25% |
$25 |
| DRAFT CHECKING ACCOUNT |
.40% |
.40% |
NO MINIMUM* |
| CHRISTMAS/VACATION CLUB |
1.74% |
1.75% |
$25 |
| IRA ACCUMULATION ACCOUNTS |
1.98% |
2.00% |
$25 |
Dividends paid monthly on Share Accounts on average daily balance
*Draft Checking Account - Dividends paid on average daily balance of $150 or more |
Share Certificates
|
| Type of Account |
Interest Rate |
A.P.Y. |
Minimun |
| 3 MONTH CERTIFICATE/IRA |
N/A |
N/A |
N/A |
| 6 MONTH CERTIFICATE/IRA |
1.85% |
1.85% |
$1,000 |
| 12 MONTH CERTIFICATE/IRA |
1.85% |
1.85% |
$1,000 |
| 18 MONTH CERTIFICATE/IRA |
1.35% |
1.36% |
$1,000 |
| 24 MONTH CERTIFICATE/IRA |
1.85% |
1.86% |
$1,000 |
| 30 MONTH CERTIFICATE/IRA |
2.10% |
2.12% |
$1,000 |
| CERTIFICATE SPECIAL 7 MONTHS** |
4.25% |
4.25% |
$5,000 |
| CERTIFICATE SPECIAL 13 MONTHS** |
N/A |
N/A |
N/A |
| 12 MONTH IRA CD SPECIAL |
2.10% |
2.10% |
$1,000 |
|
|
|
|
| 30 MONTH IRA CD SPECIAL |
2.35% |
2.35% |
$1,000 |
**Not available for
IRA's
A.P.Y.= Annual Percentage
Yield
There are minimum balance requirements and minimum opening deposits.
There are substantial penalties for early withdrawal of Share
Certificates.
Fees could reduce the earnings on the account.
