Deposit Rates

Effective: 7/30/2014

Savings Certificates1

Account/Product Name

Minimum Opening Deposit

Interest Rate

Annual Percentage Yield

31-60 Days2

$2,500.00

0.20%

0.20%

61-90 Days2

$2,500.00

0.20%

0.20%

91-179 Days2

$2,500.00

0.25%

0.25%

180-239 Days2

$2,500.00

0.30%

0.30%

6-11 Months3

$2,500.00 

0.30%

0.30%

12-17 Months3

$1,000.00

0.40%

0.40%

18-23 Months4

$1,000.00

0.50%

0.50%

18 Month Escalator4

$1,000.00

0.50%

0.50%

Rate may be stepped up once during 18 month term.  Additional deposits made of $150 or more.

24-29 Months4

$1,000.00

0.60%

0.60%

30-35 Months4

$1,000.00

0.70%

0.70%

36-47 Months4

$1,000.00

0.75%

0.75%

48-59 Months4

$1,000.00

0.90%

0.90%

60 Months4

$1,000.00

1.00%

1.00%

 

Savings Certificates - Reward Account Rates1,8

Account/Product Name

Minimum Opening Deposit

Interest Rate

Annual Percentage Yield

31-60 Days2

$2,500.00

0.30%

0.30%

61-90 Days2

$2,500.00

0.30%

0.30%

91-179 Days2

$2,500.00

0.35%

0.35%

180-239 Days2

$2,500.00

0.40%

0.40%

6-11 Months3

$2,500.00

0.40%

0.40%

12-17 Months3

$1,000.00

0.50%

0.50%

18-23 Months4

$1,000.00

0.60%

0.60%

18 Month Escalator4

$1,000.00

0.60%

0.60%

Rate may be stepped up once during 18 month term. Additional deposits made of $150 or more.

24-29 Months4

$1,000.00

0.70%

0.70%

30-35 Months4

$1,000.00

0.80%

0.80%

36-47 Months4

$1,000.00

0.85%

0.85%

48-59 Months4

$1,000.00

1.00%

1.00%

60 Months4

$1,000.00

1.10%

1.10%

 

Savings Certificates - Jumbo Account Rates1

Account/Product Name

Minimum Opening Deposit

Interest Rate

Annual Percentage Yield

31-60 Days2

$100,000.00

0.30%

0.30%

61-90 Days2

$100,000.00

0.30%

0.30%

91-179 Days2

$100,000.00

0.35%

0.35%

180-239 Days2

$100,000.00

0.40%

0.40%

6-11 Months3

$100,000.00

0.40%

0.40%

12-17 Months3

$100,000.00

0.50%

0.50%

18-23 Months4

$100,000.00

0.60%

0.60%

18 Month Escalator4

$100,000.00

0.60%

0.60%

Rate may be stepped up once during 18 month term. Additional deposits made of $150 or more.

24-29 Months4

$100,000.00

0.70%

0.70%

30-35 Months4

$100,000.00

0.80%

0.80%

36-47 Months4

$100,000.00

0.85%

0.85%

48-59 Months4

$100,000.00

1.00%

1.00%

60 Months4

$100,000.00

1.10%

1.10%

 

Statement Savings Account & Student Saver Account6,7

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

Up to $49,999.994

0.15%

0.15%

$50,000 to $99,999.994

0.20%

0.15%-0.18%

$100,000 to $249,999.994

0.25%

0.18%-0.22%

$250,000 and above4

0.25%

0.22%-0.24%

 

Club Accounts

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

Vacation Club2

0.05%

0.05%

Vacation Club Direct Deposit2

0.05%

0.05%

Holiday Club2

0.05%

0.05%

Holiday Club Direct Deposit2

0.05%

0.05%

 

Platinum Account 6,7

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

Upo to $99,999.995

0.20%

0.20%

$100,000 and above5

0.25%

0.25%

 

Municipal Insured Money Market Account6,7

Minimum Opening Balance $2,500

Interest Rate

Annual Percentage Yield

Up to $99,999.995

0.05%

0.05%

$100,000 and above5

0.10%

0.10%

 

Insured Money Market Account 6,7

Minimum Opening Balance $2,500

Interest Rate

Annual Percentage Yield

Up to $2,500 to $9,999.995

0.10%

0.10%

$10,000 to $24,999.995

0.15%

0.15%

$25,000 and above5

0.20%

0.20%

 

Super NOW Account 6,7

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

All Balances5

0.10%

0.10%

 

Golden Interest Bearing Checking6,7

 

Interest Rate

Annual Percentage Yield

All Balances3

0.10%

0.10%

 

Elite Checking Account6,7,8

 

Interest Rate

Annual Percentage Yield

All Balances3

0.20%

0.20%

 

NOW6,7

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

All Balances3

0.10%

0.10%

 

IOLAs6

No Minimum Opening Balance

Interest Rate

Annual Percentage Yield

All Balances3

0.20%

0.20%

1A penalty may be imposed for early withdrawal which could reduce the earnings on the account.
2Interest compounds at maturity.
3Interest compounds monthly.
4Interest compounds quarterly.
5Interest compounds weekly.
6The interest rate and annual percentage yield may change after account opening.
7Fees could reduce the earnings on the account.
8Depositor must be enrolled in one of our reward programs to qualify.