Account Rates & Terms

Certificates

Effective 01/31/2012
  Share Certificate Accounts*: IRA Share Certificate Accounts*:
Minimum opening balance $500.00 (6 month only) $1,000.00 $1,000.00
Dividends compounded Quarterly Quarterly
Dividends credited Quarterly Quarterly
Dividend period Quarterly Quarterly
Term (%) Fixed Dividend rate Annual percentage yield Dividend rate Annual percentage yield
6 month 0.35% 0.35% N/A N/A
1 year 0.55% 0.55% 0.55% 0.55%
2 year 0.86% 0.86% 0.86% 0.86%
3 year 1.15% 1.16% 1.15%

1.16%

Additional deposits Not allowed Not allowed
Withdrawals Dividends only Dividends only
* A penalty may apply for early withdrawal. After your Share Certificate Account is opened, your rate is fixed for the term.