HomeRates
**Annual Percentage Yield (APY) is accurate as of 5/11/10. These rates may change at any time without prior notice.**
CERTIFICATES OF DEPOSIT
Dividends Paid at Maturity
CLASS I SHARE: $500.00 Minimum---3 months APY .30%
1. Upon maturity, dividend will be posted into the certificate.
2. Penalty for early withdrawal: Loss of interest for 90 days.
CLASS VI SHARE: $1,000.00 Minimum---6 months APY .65%%
1. Upon maturity, dividend will be posted into the certificate.
2. Penalty for early withdrawal: Loss of interest for 90 days.
Dividends Compounded Semi-Annually
CLASS IV SHARE: $1,000.00 Minimum---12 months APY 1.10%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS IX SHARE: $1,000.00 Minimum---18 months APY 1.20%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS X SHARE: $1000.00 Minimum---24 months APY 1.51%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS XI SHARE: $1,000.00 Minimum---30 months APY 1.81%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS V SHARE: $1,000.00 Minimum---36 months APY 2.01%
CERTIFICATE PLUS--ADD ON CERTIFICATE
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member is chosen at the purchase of the certificate.
3. Additions may be deposited in $500.00 minimum increments throughout the term of
the certificate excluding the last 60 days of the term.
4. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS II SHARE: $1,000 Minimum---48 months APY 2.26%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
CLASS III SHARE: $1,000.00 Minimum---60 months APY 3.02%
1. Semi-Annually dividend will be posted into the certificate.
2. Dividend may be withdrawn by member if chosen at the purchase of the certificate.
3. Penalty on early withdrawal: Loss of interest for 180 days.
Dividends Payable Monthly
CLASS VII SHARE: $10,000.00 Minimum---6 months APY .65%%
1. Dividends will be paid monthly by check to member.
2. Penalty on early withdrawal: Loss of interest for 90 days.
CLASS VIII SHARE: $10,000.00 Minimum---12 months APY
1.11%
1. Dividend will be paid monthly by check to member.
2. Penalty for early withdrawal : Loss of interest for 180 days.
SAVINGS
Dividends Paid Quarterly
COMMON SHARES, CHRISTMAS CLUB, VACATION CLUB, REAL ESTATE CLUB, INSURANCE CLUB, INCOME TAX CLUB AND RETIREMENT CLUB
All the above accounts require a minimum average balance of $300.00 to earn the disclosed
Annual Percentage Yield (APY)
Balance/ Rate/ APY
$300.00 to $999.99/ 0.10%/ 0.10%
$1,000.00 to $14,999.99/ 0.15%/ 0.15%
$15,000.00 to $24,999.99/ 0.20%/ 0.20%
$25,000.00 to $49,999.99/ 0.25%/ 0.25%
$50,000.00 & UP/ 0.25%/ 0.25%
KIDS CLUB
Average Daily Balance
Balance/ Rate/ APY
$ up to $999.99/ 0.05%/ 0.05%
$1,000.00 to $14,999.99/ 0.10%/ 0.10%
$15,000.00 to $24,999.99/ 0.15%/ 0.15%
$25,000.00 to $49,999.99/ 0.25%/ 0.25%
$50,000.00 & UP/ 0.25%/ 0.25%
SHARE DRAFT CHECKING
Monthly Dividends
All share draft accounts require a minimum average daily balance of $500.00 to earn the disclosed Annual Percentage Yield (APY)
Balance/ Rate/ APY
$500.00 to $1,499.99/ 0.00%/ 0.00%
$1,500.00 to $4,999.99/ 0.05%/ 0.05%
$5,000.00 to $7,499.99/ 0.10%/ 0.10%
$7,500.00 & UP/ 0.25%/ 0.25%
