Certificate Accounts | Effective Date: January 1, 2009
Liquid Certificate |
| Deposit Amount |
$10,000 |
| Term |
Dividend Rate* |
APY** |
| 5-month |
2.713% |
2.75% |
| Pick-A-Term Share Certificate - Fixed Term |
| Deposit Amounts |
$1,000 - $9,999.99 |
$10,000 - $49,999.99 |
$50,000 + |
| Term |
Dividend Rate* |
APY** |
Dividend Rate* |
APY** |
Dividend Rate* |
APY** |
| 1 mo (30 - 59 days) |
0.846% |
0.85% |
0.846% |
0.85% |
0.846% |
0.85% |
| 2 mos (60 - 89 days) |
0.846% |
0.85% |
0.846% |
0.85% |
0.846% |
0.85% |
| 3 mos (90 - 179 days) |
2.225% |
2.25% |
2.225% |
2.25% |
2.225% |
2.25% |
| 6 mos (180 - 364 days) |
2.225% |
2.25% |
2.225% |
2.25% |
2.225% |
2.25% |
| 1 yr (365 - 730 days) |
2.859% |
2.90% |
2.859% |
2.90% |
2.859% |
2.90% |
| 2 yrs (731 - 1095 days) |
2.956% |
3.00% |
2.956% |
3.00% |
2.956% |
3.00% |
| 3 yrs (1096 - 1459 days) |
3.198% |
3.25% |
3.198% |
3.25% |
3.198% |
3.25% |
| 4 yrs (1460 - 1824 days) |
4.018% |
4.10% |
4.018% |
4.10% |
4.018% |
4.10% |
| 5 yrs (1825 + days) |
4.114% |
4.20% |
4.114% |
4.20% |
4.114% |
4.20% |
*Rates are subject to change without notice.
**Annual Percentage Yield (APY) is calculated on minimum balance requirements on a 365 day basis. Fees could reduce annual percentage yield earned. All Savings and Checking dividends & fees are determined by the average daily collected balance for the month. Early withdrawal penalties never exceed accrued and paid dividends. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. |
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