










|

Dividend
Rates
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Effective
as of 11/20/2008
APR = Annual Percentage Rate
APY = Annual Percentage Yield
*The minimum balance requirement to receive a dividend will be $100.00.
**$5 minimum balance required to be eligible for all credit union services.
$100 minimum balance in the share/savings account is required for members
18 and older for any share certificate.
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Share/Savings Accounts - Effective April 1, 2008
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| APR |
APY |
Terms & Info |
| 0.90%
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0.90%
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$100.00 - $5000.99
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| 1.05%
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1.05%
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$5001.00 - unlimited
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| .50%
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.50%
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Christmas Club Account
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| .50%
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.50%
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Vacation/All Purpose Accounts
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| 2.50%
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2.52%
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IRAs
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Choice MMA Accts (Money Market Accts) Effective April 1, 2008
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| APR |
APY |
Terms & Info |
| 1.30%
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1.31%
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Tier 1 - ($5,000.00 - $19,999.99) Withdrawals are made by a check only. Minimum of a withdrawal is $500.00. 6 withdrawals per month. $100 must be in savings account.
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| 1.55%
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1.56%
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Tier 2 - ($20,000.00 - $49,999.99) Withdrawals are made by check only. Minimum of a withdrawal is $500.00 6 withdrawals per month. $100 must be in savings account.
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| 1.80%
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1.81%
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Tier 3 ($50,000.00 - $99,999.99) Withdrawals are made by check only. Minimum of a withdrawal is $500.00. 6 withdrawals per month. $100 must be in savings account.
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| 2.05%
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2.07%
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Tier 4 - ($100,000.00 & higher) Withdrawals are made by check only. Minimum of a withdrawal is $500.00 6 withdrawals per month. $100 must be in savings account.
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Share Certificates- Effective November 15, 2008
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| APR |
APY |
Terms & Info |
| 3.13%
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3.17%
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Term: 6 Months - (C) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not.
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| 3.14%
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3.18%
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Term: 9-Months - (I) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 2.78%
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2.81%
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Term: 12-Months - (D) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 2.79%
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2.82%
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Term: 15-Months - (J) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 2.87%
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2.90%
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Term: 18-Months - (E) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 3.05%
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3.09%
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Term: 24-Months - (F) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 3.06%
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3.10%
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Term: 27-Months - (K) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 3.42%
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3.46%
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Term: 36-Months - (G) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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| 3.82%
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3.88%
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Term: 60-Months - (H) Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 31 days of dividends earned or not
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Jumbo Certificates- Effective October 14, 2008
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| APR |
APY |
Terms & Info |
| 2.78%
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2.81%
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Term: 13-Months - (P) Minimum Investment balance of $25,000.00
Early withdrawalbçGvalty is 90 days of dividends earned or not
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| 2.88%
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2.91%
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Term: 13 Months - (O) Minimum Investment balance of $10,000.00
Early withdrawal penalty is 90 days of dividends earned or not
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| 2.98%
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2.98%
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Term: 13 Months - (N) Minimum Investment balance of $5,000.00
Early withdrawal penalty is 90 days of dividends earned or not
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Great Rate For Checking Certificate- Effective October 14, 2008
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| APR |
APY |
Terms & Info |
| 2.88%
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2.91%
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Term: 11 Months - (L) Rate Quoted monthly Minimum Investment of $500.00 Active Checking Account with at least 6 transation a month. Account will be monitored and subject to penalty. Early withdrawal penalty is 31 days of dividends earned or not
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Loan Promo Certificate- Effective October 14, 2008
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| APR |
APY |
Terms & Info |
| 2.93%
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2.96%
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Term 11 Months - (M) Quoted Monthly Minimum Investment $500.00 Must have a New Loan of $10,000.00 or more. Early withdrawal penalty is 31 days of dividends earned or not
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