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Rates

Bump-Up* Term Share/IRA Certificates

18 Month with one bump option (Minimum balance $5,000)

Rates effective May 1, 2012
  Account Type  Account Balance  Rate  APY
18 Month Bump-up$5,000- $9,999.45%.45%  
$10,000 - $49,999.55%.55%  
$50,000 & Over.65%.65%  
*Bump-up rates shown require checking with direct deposit. For accounts not meeting this requirement, dividend rate will be .25% lower.
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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30 Month with two bump options (Minimum balance $10,000)

Rates effective May 1, 2012
  Account Type  Account Balance  Rate  APY
30 Month Bump-up$10,000 - $49,999.80%.80%  
$50,000 & Over.90%.90%  
*Bump-up rates shown require checking with direct deposit. For accounts not meeting this requirement, dividend rate will be .25% lower.
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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