Deposit Rates

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Deposit Accounts

Deposit Accounts

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Member FDIC
Rates and APY effective and accurate as of July 1, 2009

Account Type Minimum Deposit Interest Rate APY
First Choice Account
$50.00 .40% .40%
SuperNow (SNA)
$2,000.00 .30% .30%
Money Market (CMA)
$3,000.00 .50% .50%
Statement Savings
$25.00 .30% .30%
Christmas Club *
$5.00 1.50% 1.51%

* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Deposit Account Rates are variable and may change after the account is opened.

Certificates of Deposit

Certificates of Deposit

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Member FDIC
Rates and APY effective and accurate as of July 1, 2009

Account Type Minimum Deposit Interest Rate APY
3 Month CD
$1,000.00 1.50% 1.51%
6 Month CD *
$1,000.00 1.00% 1.00%
10 Month CD
$1,000.00 1.10% 1.11%
12 Month CD *
$1,000.00 1.25% 1.26%
18 Month CD *
$500.00 1.75% 1.76%
24 Month CD *
$500.00 1.80% 1.81%
30 Month CD *
$500.00 1.85% 1.86%
36 Month CD *
$500.00 1.90% 1.91%
60 Month CD *
$500.00 1.95% 1.96%
SEE OFFICER
$100,000.00    

* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.
* CD rates are variable and may change after the account is opened.

Retirement Accounts

Retirement Accounts

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Member FDIC
Rates and APY effective and accurate as of July 1, 2009

Account Type Minimum Deposit Interest Rate APY
IRA (Traditional-Variable) *
$100.00 1.75% 1.76%
IRA (Roth-Variable) *
$100.00 1.75% 1.76%
IRA (Educational-Variable) *
$100.00 1.75% 1.76%
IRA (Guaranteed-Fixed) *
$500.00 .75% .75%

* Interest compounded monthly
* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS

CDARS

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Member FDIC
Rates and APY effective and accurate as of July 1, 2009

Account Type Minimum Deposit Interest Rate APY
1 Month (4 wk)
$100,000.00 .50% .50%
3 Month (13 wk)
$100,000.00 1.50% 1.51%
6 Month (26 wk)
$100,000.00 1.25% 1.26%
1 Year (52 wk)
$100,000.00 1.30% 1.31%
2 Year (104 wk)
$100,000.00 2.05% 2.07%
3 Year (156 wk)
$100,000.00 2.15 % 2.17%

* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.