Deposit Rates

Annual Percentage Yields (APY) current as of Wednesday, March 10, 2010.

Certificates of Deposit (Available in IRA CDs)

Term Interest Rate APY
IRA Savings ($20.00 and over)*** 1.24% 1.25%
IRA Variable Account** 2.23% 2.25%
91 days* 0.99% 1.00%
182 days* 1.24% 1.25%
12 months* 1.54% 1.55%
18 months* 1.59% 1.60%
24 months* 1.83% 1.85%
30 months* 1.98% 2.00%
36 months* 2.08% 2.10%
48 months* 2.42% 2.45%
60 months* 2.96% 3.00%

* Minimum deposit required to open the account is $500.
** Interest rate and APY may change daily after the account is opened. Minimum deposit of $250.00 required to open an account and obtain the APY. Term of account is 18 months.
*** Interest rate and APY may change daily after the account is opened.

Early withdrawal penalties apply. A withdrawal of interest may reduce earnings. Interest is compounded daily.


Checking, Savings, and Money Market Account Rates

Product Type Balance Interest Rate APY
Free Checking No Minimum Not Applicable Not Applicable
NOW Account $1,000.00 and over 0.25% 0.25%
Super NOW Account $2,500.00 and over 0.50% 0.50%
Money Market Below $5,000.00 0.75% 0.75%
  $5,000.00 to $24,999.99 0.99% 1.00%
  $25,000.00 to $99,999.99 1.29% 1.30%
  $100,000.00 to $499,999.99 1.39% 1.40%
  $500,000.00 and over 1.49% 1.50%
Statement Savings $20.00 and over 0.75% 0.75%
IRA Savings $20.00 and over 1.24% 1.25%
Christmas Club $20.00 and over 0.50% 0.50%

Interest rate and APY may change daily after the account is opened.  Fees could reduce earnings.