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SpecialsInvestment Rates
Effective Date Of APY: July 26, 2010 No Specials at this Time.
Market Index Certificate 3 or 5 years $500 Minimum Return based on the performance of the Dow Jones Industrial Average
Pay Day Certificate$100.00 Minimum 1.55% APY $10.00 Minimum deposits must be transferred at least monthly. Most savings or checking accounts are available for transfer. Transfers may occur weekly, bi-weekly, semi-monthly or monthly.
Reg & Tax-Favored Certificates| Term | Minimum Balance Required for APY | APY | | 6 Month | $1000+ | 0.80% | | 12 Month Youth | $100.00 Additions allowed to Youth Certificate - $50 minimum | 0.90% | | 1 Year | $1000+ | 0.90% | | 18 Month | $1000+ | 1.15% | | 2 Year | $1000+ | 1.25% | | 3 Year | $1000+ | 1.75% | | 4 Year | $1000+ | 1.85% | | 5 Year | $1000+ | 2.30% |
There may be a penalty for early withdrawal on certificate accounts. Dividends are calculated daily and paid monthly.
Tax-Favored Savings AccountsTraditional and Roth IRAs, Health Savings Accounts and Coverdell Educational Savings Accounts
| Amount Required for APY | APY | | $0-$9,999 | .25% | | $10,000-$49,999 | 0.50% | | $50,000-$99,999 | 0.75% | | $100,000-$499,999 | 1.00% | | $500,000-$999,999 | 1.25% | | $1,000,000 and up | 1.75% |
Unlimited deposits and withdrawals with no penalties as permitted by IRS
Money Market Account| Amount Required for APY | APY | | $0-$9,999 | .25% | | $10,000-$49,999 | .50% | | $50,000-$99,999 | 0.75% | | $100,000-$499,999 | 1.00% | | $500,000-$999,999 | 1.25% | | $1,000,000 and up | 1.75% | |
Minimum Balance to open is $1000.00. Fees could reduce earnings on this account.
Payroll PlusRegular, Traditional IRA and Roth IRA | Amount Required for APY | APY | | $500 or more | 1.00% | | $0.01 to $499.99 | 0.25% |
Share DividendsDeclared Dividends - April 1- June 30, 2010. The Board of Directors declared these dividend rates for the quarter ending June 30, 2010. Dividends for the new quarter will be declared September 2010. | Account | APY | | Basic Membership Savings Account | 0.25% | | Preferred Youth SavingsAccount | 0.50% | | Christmas Club Savings Account | 0.35% | | Vacation Savings Account | 0.25% | | Life Insurance Savings Accounts | 0.25% | | Vacation Fund Account | 0.25% | | U.S. Bond Savings Account | 0.25% | | Checking Plus Account | 0.25% | e-Checking - $0.00 to $1,000 (paid monthly) e-Checking - above $1,000 (paid monthly) | 1.60% 0.80% |
Business Share AccountsDeclared Dividends - January 1 - March 31, 2010. The Board of Directors declared these dividend rates for the quarter ending March 31, 2010. Dividends for the new quearter will be declared in June 2010. | Account | APY | | Business Basic Savings | 0.25% | Business e-Checking - to $1000.00 (paid monthly) Business e-Checking - above $1000.00 (paid monthly) | 1.60% 0.80% |
| Business Money Market | APY | | $0-$9,999 | 0.25% | | $10,000-$49,999 | 0.50% | | $50,000-$99,999 | 0.75% | | $100,000-$499,999 | 1.00% | | $500,000-$999,999 | 1.25% | | $1,000,000 and up | 1.75% |
APY = ANNUAL PERCENTAGE YIELD The above dividend rates were declared by the Board of Directors for the quarter ending September 30, 2009. Dividend for the next quarter will be declared in December, 2009. Dividends are calculated daily, compounded and paid quarterly. Fees could reduce earnings on these accounts. No minimum balance required for APY.
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