Current Rates

The Annual Percentage Yield (APY) is accurate as of 02/17/2012, and is subject to change without notice.  Fees could reduce the earnings on an account. Prime Rate 3.25% effective as of 12/18/2008.

Certificates of Deposit

A minimum balance of $500.00 is required to obtain the advertised APY on Certificates of Deposit. A substantial penalty may be imposed for early withdrawal on CDs. On non-compounding CDs with term greater than 1 year, interest cannot remain on deposit and payout of interest is mandatory. For additional rate, fee and cost information, please refer to account disclosure statement.

TERM Interest Rate APY
91 DAY COD 0.30% 0.30%
182 DAY COD 0.45% 0.45%
12 MO QUARTERLY COD 0.70% 0.70%
18 MO QUARTERLY COD 0.75% 0.75%
24 MO QUARTERLY COD 1.00% 1.00%
30 MO QUARTERLY COD 1.14% 1.15%
36 MO QUARTERLY COD 1.39% 1.40%
48 MO QUARTERLY COD 1.54% 1.55%
60 MO QUARTERLY COD 1.84% 1.85%

Individual Retirement Accounts

A minimum balance of $500.00 is required to obtain the advertised APY on Individual Retirement Accounts (IRAs). A substantial penalty may be imposed for early withdrawal on IRAs. For additional rate, fee and cost information, please refer to disclosure statement.

TERM Interest Rate APY
18 MO VARIABLE IRA 0.75% 0.75%
30 MO ROTH OR FIXED IRA 1.14% 1.15%

Checking Accounts

Contact a Customer Service Representative for complete details.  APY is subject to change without notice, and may change after the account is opened. For additional rate, fee and cost information, please refer to disclosure statement.

TERM Interest Rate APY
NOW CHECKING 0.20% 0.20%
FIRST SR PLUS CHECKING 0.25% 0.25%
REG D CHECKING 0.45% 0.45%
TIERED REG D CHECKING
$2,500.01-$10,000.00
$10,000.01-$25,000.00
$25,000.01+ 		-
0.45%
0.55%
0.65%		 -
0.45%
0.55%
0.65%

Savings Accounts

Contact a Customer Service Representative for complete details.  APY is subject to change without notice, and may change after the account is opened.  For additional rate, fee and cost information, please refer to disclosure statement.

TERM Interest Rate APY
REGULAR STATEMENT SAVINGS 0.45% 0.45%
CHRISTMAS CLUB SAVINGS 1.50% 1.50%