Savings Rates

Choose from a variety of savings options all designed to help you reach your financial goals.

Savings
Effective Date: Sunday, February 5th, 2012
Account	Rate	APY*
Share (Savings)	0.05%	0.05%
High Yield (Savings)	0.10%	0.10%
I.R.A. Share Account	0.20%	0.20%
A.P.Y. (Annual Percentage Yield) Dividends are paid monthly and based on average daily balance. IRA dividends paid quarterly. $100.00 minimum balance required to obtain dividends on regular share account. Maintenance and Activity fees may reduce earnings on account.

Certificates
Effective Date: Sunday, February 5th, 2012
Certificate	Rate	APY*
3 month	0.10%	0.10%
6 month	0.20%	0.20%
1 year	0.20%	0.30%
18 month	0.40%	0.40%
2 year	0.50%	0.50%
3 year	1.00%	1.01%
4 year	1.25%	1.26%
5 year	1.50%	1.51%
Jumbo Certificates ($25,000 min.)
1 year	0.40%	0.40%
2 year	0.70%	0.70%
3 year	1.10%	1.11%
4 year	1.35%	1.36%
5 year	1.60%	1.61%
I.R.A.s ($250 min.)
1 year	0.40%	0.40%
2 year	0.70%	0.70%
3 year	1.10%	1.11%
4 year	1.35%	1.36%
5 year	1.60%	1.61%
*A.P.Y. (Annual Percentage Yield) Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
Youth CD'S ($200 min. $1000 max)
6 month	0.50%	0.50% at maturity
1 year	1.00%	1.00% at maturity
2 year	1.20%	1.20% at maturity