|
Rates are effective as of January 1st, 2014
|
|
Rate Type
|
Minimum Opening Balance
|
Minimum to Earn Dividends
|
Dividend Rate*
|
Annual Percentage Yield
|
|
| Share Savings | Variable |
$25
|
$25
|
.050%
|
.050%
|
| Auxiliary Share/Savings | Variable |
$0
|
$25
|
.050%
|
.050%
|
| Escrow Share/Savings | Variable |
$0
|
$25
|
.050%
|
.050%
|
| Christmas Club | Variable |
$0
|
$25
|
.050%
|
.050%
|
|
APR
|
Low APY
|
High APY
|
||
| Money Market |
$25 – $1,999
|
.050%
|
.000%
|
.050%
|
|
$2,000 – $9,999
|
.100%
|
.050%
|
.090%
|
|
|
$10,000 – $24,999
|
.100%
|
.090%
|
.096%
|
|
|
$25,000 – $49,999
|
.150%
|
.096%
|
.123%
|
|
|
$50,000 – $99,999
|
.150%
|
.123%
|
.137%
|
|
|
$100,000 and above
|
.250%
|
.137%
|
.239%
|
|
APR
|
Low APY
|
High APY
|
||
| IRA Share/Savings |
$25 – $1,999
|
.050%
|
.000%
|
.050%
|
|
$2,000 – $9,999
|
.100%
|
.050%
|
.090%
|
|
|
$10,000 – $24,999
|
.100%
|
.090%
|
.096%
|
|
|
$25,000 – $49,999
|
.150%
|
.096%
|
.123%
|
|
|
$50,000 – $99,999
|
.150%
|
.123%
|
.137%
|
|
|
$100,000 & up
|
.250%
|
.137%
|
.239%
|
|
Rate Type
|
Minimum Opening Balance
|
Minimum to Earn Dividends
|
Dividend Rate*
|
Annual Percentage Yield
|
|
| 6 Month Certificate | Fixed |
$1,000
|
$1,000
|
.150%
|
.150%
|
| 1 Year Certificate | Fixed |
$1,000
|
$1,000
|
.300%
|
.300%
|
| 2 Year Certificate | Fixed |
$1,000
|
$1,000
|
.500%
|
.500%
|
| 3 Year Certificate | Fixed |
$1,000
|
$1,000
|
.747%
|
.750%
|
| 5 Year Certificate | Fixed |
$1,000
|
$1,000
|
1.243%
|
1.250%
|
| 5 Year Special Certificate | Fixed |
$10,000
|
$10,000
|
1.341%
|
1.350%
|
| Share Draft/Checking | N/A |
$50
|
N/A
|
N/A
|
N/A
|
Penalty for Early Withdrawal: The amount of the early withdrawal penalty is equal to 90 days interest on the amount withdrawn.
|
APR
|
Low APY
|
High APY
|
|
| Regular Share Draft/Checking Interest Bearing Draft/Checking |
.000% | .000% | .000% |
|
$0 – $999.99
|
.000%
|
.000%
|
.000%
|
|
$1,000 – $9,999.99
|
.050%
|
.001%
|
.045%
|
|
$10,000 and up
|
.100%
|
.045%
|
.099%
|
Certificate dividends are compounded and credited monthly.
For Share Savings, Money Market, Christmas Club, IRA, Escrow, and Auxiliary Savings accounts, dividends are compounded and credited quarterly. *The Dividend Rate and Annual Percentage Yield stated above are accurate as of the date stated above. Rates may have changed after that date. Please call (303) 936-2299 to obtain current rate information.
