Current Deposit Rates

Current Annual Percentage Yield (APY) as of July 27, 2010


Certificates of Deposit


Account TermAPY*Interest Rate
3 Month Fixed0.87% 0.85%
6 Month Fixed 0.92% 0.90%
7 Month Fixed 0.97% 0.95%
9 Month Fixed 1.02% 1.00%
12 Month Fixed 1.12% 1.10%
15 Month Fixed 1.22%  1.20%
18 Month Fixed 1.38% 1.35%
24 Month Fixed 1.69% 1.65%
30 Month Fixed 1.74% 1.70%
60 Month Fixed 2.31% 2.25%

Individual Retirement Accounts


Account TermAPY*Interest Rate
6 Month Fixed 0.92% 0.90%
12 Month Fixed 1.12% 1.10%
18 Month Fixed 1.38% 1.35%
24 Month Fixed 1.69% 1.65%
30 Month Fixed 1.74% 1.70%
18 Month Variable 1.64% 1.60%

 

The minimum balance to open a Certificate of  Deposit or an Individual Retirement Certificate of  Deposit Account and to receive the annual percentage yield is $500.00.  Interest is compounded continuously and credited monthly.  Early withdrawal penalties may apply.

 

     Savings, IRA Savings, Rent Security and Club Accounts

 

Account TermAPY* Interest Rate
**Savings Account 0.51%0.50%
IRA Savings Account 0.51%0.50%
Rent Security0.51% 0.50%
Holiday Club 0.25% 0.25%

 

The minimum balance to open and to receive the annual percentage yield on Savings, IRA Savings, and Rent Security Accounts is $50.00.  All Savings Accounts are considered variable accounts.  The rate may change after account opening.  Variable rate accounts may change at any time.  **A $50.00 balance must be maintained each day to avoid a $5.00 service charge.  Interest is compounded continuously and paid monthly on savings accounts, IRA savings accounts and rent security accounts  Interest is not compounded on Holiday clubs.  Interest is credited to the account at the end of the club year.  If you close your account before interest is credited, you will not receive the accrued interest.  The minimum balance to open a Club Account and to receive the annual percentage yield is $2.00.  

 

Checking and Super Money Market Accounts

 

 

Account TermAPY*Interest Rate
Super Money Market Account $100-$1499.99 0.30%0.30%
Super Money Market Account $1500 and Above 0.41%0.40%
Now Checking Accounts 0.25%0.25%
 

 The minimum balance to open and receive the annual percentage yield on Now Checking accounts is $100.00 .  Now Checking Accounts and Super Money Market Accounts are considered variable accounts.  The rate may change after account opening.  Variable rate accounts may change at any time.  A balance of $500.00 each day must be maintained to avoid a $10.00 service charge.  Interest is compounded continuously and credited monthly.

The minimum balance to open and receive the annual percentage yield on Super Money Market accounts is $1,500.00.  A balance of $1,500.00 each day must be maintained to avoid a $15.00 service charge.  Interest is not compounded.  Interest will be credited monthly.  Transfers from a Super Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle including check, draft, debit card, or similar order to third parties. 

 Super Money Market Account and Now Checking Accounts are considered variable accounts

 

All interest rates are subject to change without notice.  Fees can reduce earnings.

*Annual Percentage Yield