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SERVICES

Savings & CDs Checking Loan

Current Rates

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Certificates of Deposit | Checking Accounts | Savings Accounts
IRAs


CERTIFICATES OF DEPOSIT
TermInterest RateAnnual
Percentage Yield
Minimum Deposit
to Open an Account
6 months0.39%0.40%$500
9 Months0.49%0.50%$1,000
1 year0.59%0.60%$1,000
13 Months0.64%0.65%$1,000
18 months0.79%0.80%$1,000
2 years0.94%0.95%$1,000
30 months0.99%1.00%$1,000
3 years1.18%1.20%$1,000
4 years1.62%1.65%$1,000
5 years1.86%1.90%$1,000
Rates are effective as of Thursday, February 02, 2012.
Interest rates are subject to change at any time without notice.
Substantial penalties for early withdrawals on all certificate accounts.
Annual Percentage Yield assumes interest remains on deposit until maturity.

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CHECKING ACCOUNTS
AccountInterest RateAnnual
Percentage Yield
Minimum Deposit
to Earn APY
Basic NOW0.15%0.15%$250
0.10%0.10%Below $250
Premium NOW0.25%0.25%$1,000
0.10%0.10%Below $1,000
Free NOW0.10%0.10%None
Rates are effective as of Thursday, February 02, 2012.
All NOW checking accounts require a minimum deposit of $50.00.
Interest rates are subject to change at any time without notice.

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SAVINGS ACCOUNTS

Passbook Savings
AccountInterest RateAnnual
Percentage Yield
Minimum Deposit
to Open an Account
Passbook Savings0.15%0.15%$25
Super Passbook0.25%0.25%$2,500
Christmas Club0.00%0.00%None
Rates are effective as of Thursday, February 02, 2012.
Interest rates are subject to change at any time without notice.

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Statement Savings
AccountInterest RateAnnual
Percentage Yield
Minimum Deposit
to Earn APY
Premier Savings0.15%0.15%Less than $10,000
0.25%0.25%$10,000 - $49,999
0.45%0.45%$50,000 - $99,999
0.60%0.60%$100,000 and up
Rates are effective as of Thursday, February 02, 2012.
Minimum deposit to open an account is $25. Interest rates are subject to change at any time without notice.

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IRAs
TermInterest RateAnnual
Percentage Yield
Minimum Deposit
to Open an Account
18 Month Variable1.18%1.20%$50
1 Year0.79%0.80%$50
2 Years1.18%1.20%$50
3 Years1.57%1.60%$50
Rates are effective as of Thursday, February 02, 2012.
Interest rates are subject to change at any time without notice.

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MORTGAGES
Please call for current interest rates.

Passbook Loans
The interest rate and Annual Percentage Rate will be 3% above the interest rate on the savings or certificate account securing the loan.

Personal Loans
The current interest rate and Annual Percentage Rate are both 9.0%.

The interest rate is based upon qualification.

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