CERTIFICATES OF DEPOSIT  ($500.00 Minimum)

 

 ANNUAL PERCENTAGE YIELD

TERM RATE MONTHLY QUARTERLY

 7 Days (Interest paid at maturity)

.35  N/A N/A
30 Days (Interest paid at maturity) .35 .35  .35
91 Days* .50 .50 .50
182 Days* .90 .90 .90
1 Year* 1.00 1.00 1.00
18 Months* 1.09 1.10 1.09
2 Years* 1.29 1.30 1.30
3 Year* 1.49 1.50 1.50

 *For deposits of less than $5,000.00, interest is paid quarterly.  For deposits of $5,000.00 or more, interest is paid at maturity. A fee may be assessed for early withdrawal.

 

INDIVIDUAL RETIREMENT ACCOUNTS ($100.00 Minimum)

     
12 Month Fixed 1.00 N/A 1.00

24 Month Variable

.35  N/A .35

(For the following accounts, fees may apply and, if so, may reduce the earnings on the account.) 

MONEY MARKET ACCOUNTS

     
Personal MMA Tiered** .25-1.00 .25-1.00  
Non-Personal MMA Tiered** .25-1.00 .25-1.00  

NOW ACCOUNTS

Personal NOW

.20

.20

 

Non-Personal NOW

.20 .20  

Golden Plus

 

.20

.20  

SAVINGS ACCOUNT

 

.25

.25

 

**MMA Tiers

     
$1,000 - 4,999 .25 .25  
$5,000 - 24,999 .35 .35  
$25,000 - 49,999 .45 .45  
$50,000 - 74,999 .75 .75  
$75,000+  1.00  1.00  


Rates are subject to change at any time without prior notice.                                                                 

Member FDIC       

Please see an account representative for full details.

                                      Rates Effective February 2, 2010