Deposit Rates

Click on the links below to find out more about each Account's Interest Rates.
Show All Rates | Hide All Rates

Deposit Accounts

Deposit Accounts

Minimize

Member FDIC
Rates and APY effective and accurate as of May 7, 2008

Account Type Minimum Deposit Interest Rate APY
First Choice Account
$50.00 1.00% 1.00%
SuperNow (SNA)
$2,000.00 .65% .65%
Money Market (CMA)
$3,000.00 .80% .80%
Statement Savings
$25.00 .40% .40%
Christmas Club *
$5.00 2.75% 2.78%

* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield

Certificates of Deposit

Certificates of Deposit

Minimize

Member FDIC
Rates and APY effective and accurate as of May 7, 2008

Account Type Minimum Deposit Interest Rate APY
3 Month CD
$1,000.00 2.45% 2.47%
6 Month CD *
$1,000.00 1.50% 1.51%
10 Month CD
$1,000.00 1.75% 1.75%
12 Month CD *
$1,000.00 2.00% 2.01%
18 Month CD *
$500.00 2.25% 2.27%
24 Month CD *
$500.00 2.30% 2.32%
30 Month CD *
$500.00 2.35% 2.37%
36 Month CD *
$500.00 2.40% 2.42%
60 Month CD *
$500.00 2.45% 2.47%
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

Retirement Accounts

Retirement Accounts

Minimize

Member FDIC
Rates and APY effective and accurate as of May 7, 2008

Account Type Minimum Deposit Interest Rate APY
IRA (Traditional-Variable) *
$100.00 2.25% 2.27%
IRA (Roth-Variable) *
$100.00 2.25% 2.27%
IRA (Educational-Variable) *
$100.00 2.25% 2.27%
IRA (Guaranteed-Fixed) *
$500.00 1.25% 1.26%

* Interest compounded monthly
* APY means Annual Percentage Yield

CDARS

CDARS

Minimize

Member FDIC
Rates and APY effective and accurate as of May 7, 2008

Account Type Minimum Deposit Interest Rate APY
1 Month (4 wk)
$100,000.00 1.25% 1.26%
3 Month (13 wk)
$100,000.00 2.70% 2.73%
6 Month (26 wk)
$100,000.00 1.75% 1.76%
1 Year (52 wk)
$100,000.00 2.25% 2.27%
2 Year (104 wk)
$100,000.00 2.55% 2.57%
3 Year (156 wk)
$100,000.00 2.65% 2.68%

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