Deposit Rates

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Interest Rates on Your Share Savings
Note: All rates subject to change without notice. (7-1-2013)

  Minimum Balance Rate APY
$201.00 to $750.00 $201.00 0.05% 0 – 0.05%
$751 to $2000.00 0.10% 0.05% – 0.08%
$2001 to $10,000.00 0.15% 0.08% – 0.14%
$10,001 and up 0.15% 0.14% – 0.15%
Share Christmas Club* $50.00 0.15% 0.15%
Share Vacation Club $50.00 0.10% 0.10%
Share Draft $2,000.00 0.005% 0.005%
Share Sweep** $8,000.00 0.10% 0 – 0.10%
$8,000.01 & up 0.25% 0.10 – 0.25%
*Penalty for early withdrawal of Share Christmas Club prior to maturity date. A $15.00 Fee will be charged and account closed.**Must have Share Draft Checking and ATM/Debit Card.

Share Certificates (CD) 6-10-2013

  Minimum Balance Rate APY
6 Month – Youth $250.00 0.15% 0.15%
6 Months $2,500.00 0.20% 0.20%
12 Months $500.00 0.30% 0.30%
24 Months $500.00 0.55% 0.55%
36 Months $500.00 0.70% 0.70%
60 Months $500.00 1.20% 1.21%
Penalty for Early withdrawal of Share Certificates – Forfeiture of dividends as shown below:Early withdrawal penalty is based on term of certificate.
Terms of less than 12 months 30 days dividend
Terms of 12 or more months 90 days dividend
Terms of less than 12 months 30 days dividend

Exceptions to Early Withdrawal Penalties:

When an owners dies or is determined legally incompetent by a court or other body of competent jurisdiction.

APY = Annual Percentage Yield
APR = Annual Percentage Rate