Rates

Saving Rates


Share Savings Rates

Effective February 4, 2013

Share Type Minimum Deposit APR APY Penalty
Savings $5.00 0.10% 0.10% No Penalty
Christmas No Minimum 0.10% 0.10% No Penalty
Vacation No Minimum 0.10% 0.10% No Penalty
Checking $25.00 0.00% 0.00% No Penalty
IRA No Minimum 0.75% 0.75% 60 day interest penalty if not 59 1/2

*Rates subject to change monthly

Certificate of Deposit Rates

Effective February 4, 2013

Share Type Minimum Deposit APR APY Penalty
91 Days $1,000.00 0.15% 0.15% All Interest Accrued
182 Days $1,000.00 0.20% 0.20% All Interest Accrued
9 Months $1,000.00 0.20% 0.20% 90 Day Interest Penalty
12 Months $1,000.00 0.45% 0.45% 90 Day Interest Penalty
18 Months $1,000.00 0.45% 0.45% 90 Day Interest Penalty
24 Months $1,000.00 0.65% 0.65% 90 Day Interest Penalty
36 Months $1,000.00 0.90% 0.90% 90 Day Interest Penalty

*Rates subject to change monthly

Money Market Rates

Effective February 4, 2013

Share Type Minimum Deposit APR APY Penalty
Tier 1 $2500.00 - $4999.99 0.15% 0.15% No Penalty
Tier 2 $5000.00 - $9999.99 0.15% 0.15% No Penalty
Tier 3 $10000.00 - $14999.99 0.30% 0.30% No Penalty
Tier 4 $15000.00 and over 0.30% 0.30% No Penalty

*Rates subject to change monthly
**Three withdrawals per month. $5.00 fee for each excessive share withdrawal.


Insurance Coverage :

We are pleased to inform you that, under the "Emergency Economic Stabilization Act", federal share insurance coverage at your credit union has increased from $100,000 to $250,000 for individual accounts. The existing $250,000 coverage level for IRA retirement accounts remains unchanged under the new law.