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Saving Rates

*Anticipated rates decreased due to a low interest rate enviroment*

Effective May 16, 2012– May 22, 2012.
**Rates are subject to change**
APY=Annual Percentage Yield. A penalty will or may be imposed for early withdrawal
.

Term Share Certificates
TERM MINIMUM APY RATE DIVIDENDS
3 Months
$1,000
0.15
0.15
Paid at maturity

6 Months
$1,000
0.20
0.20
Paid monthly

12 Months
$1,000
0.30
0.30
Compounded daily paid quarterly

18 Months
$1,000
0.40
0.40
Compounded daily paid quarterly

24 Months
$1,000
0.55
0.55
Compounded daily paid quarterly

30 Months
$1,000
0.60
0.60
Compounded daily paid quarterly

36 Months
$1,000
0.80
0.80
Compounded daily paid quarterly

42 Months
$1,000
1.01
1.00
Compounded daily paid quarterly

48 Months
$1,000
1.11
1.10
Compounded daily paid quarterly

60 Months
$1,000
1.41
1.40
Compounded daily paid quarterly





IRA Traditional / Roth Educational / SEP
Passbook
$50
0.50
0.50
Paid quarterly





IRA Share Certificate
12–60 months
$1,000
Same as
Certificates
Same as
Certificates
Paid quarterly






Health Savings Account
HSA
Minimum
APY
RATE
DIVIDENDS

$100
0.30
0.30
Paid Monthly

Money Market
TERM
RANGE
APY
RATE
DIVIDENDS
Daily Balance Method
Under $2,500
0.00
0.00
Paid Monthly

Daily Balance Method
$2,500–$9,999
0.15
0.15
Paid Monthly

Daily Balance Method
$10,000–$49,999
0.20
0.20
Paid Monthly

Daily Balance Method
$50,000–$99,999
0.30
0.30
Paid Monthly

Daily Balance Method
Over $100,000
0.40
0.40
Paid Monthly





Christmas Club
TERM
RANGE
APY
RATE
DIVIDENDS
Special Account
$5
0.10
0.10
Paid Monthly

Share Draft (Checking) (Both Personal and Business)

Daily Balance Method
$0–$1,249
0.00
0.00
Paid Monthly

Daily Balance Method
$1,250 & over
0.05
0.05
Paid Monthly





Share Account (Both Personal and Business)

Daily Balance Method
$0–$4.99
0.00
0.00
Paid quarterly

Daily Balance Method
$5–$999.99
0.05
0.05
Paid quarterly

Daily Balance Method
$1000–$2,499.99
0.10
0.10
Paid quarterly

Daily Balance Method
$2,500 and over
0.15
0.15
Paid quarterly
Minor Account
TERM
MINIMUM
APY
RATE
DIVIDENDS
Under Age 21
$1
0.00
0.00
Paid quarterly





Golden Star Club
Members 55 and older
Must maintain $1,000
in any type of account
excluding checking
Same as
Share Accounts

Paid quarterly