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Rates and Fees

Rates

Certificates of Deposit & IRA Interest Rates

Time Interest Rates Annual Percentage Yield (APY)
91 Days 2.23  2.25 
182 Days 2.48  2.50 
12 Months 2.73  2.75 
18 Months 2.73  2.75 
24 Months 2.98  3.00 
30 Months 2.98  3.00 
36 Months 2.98  3.00 
48 Months 2.98  3.00 
60 Months 3.22  3.25 

Information current as of: 03/21/08

Minimum Deposit $500

Interest rate is subject to change at our discretion. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit. A penalty may be imposed for early withdrawal. A penalty may be waived in certain circumstances such as the death or imcompetence of an owner of the account.


Checking & Savings Account Rates

Account Minimum Balance to Open Account Interest Rate Annual Percentage Yield (APY)
*NOW Account $1,000 .75  .75 
**HIFI/Money Market $2,500 1.24  1.25 
Savings Account $100 1.00  1.00 

Information current as of: 03/21/08

*A balance of $1000 must be maintained to avoid service charge
** If balance drops below $1,000, the interest rate will change to the NOW Account rate.

Fees may reduce annual earnings.

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