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Interest Rates on Your
Share Savings
Note: All rates subject to change without notice. (7-1-2010)
|
|
|
Minimum
Balance
|
Rate
|
APY
|
|
$201.00 to $750.00
|
$201.00
|
.40%
|
0 - 0.40%
|
|
$751 to $2000.00
|
|
.50%
|
0.40%- 0.46%
|
|
$2001 to $10,000.00
|
|
.60%
|
0.46%- 0.57%
|
|
$10,001 and up
|
|
0.70%
|
0.57% -0.70%
|
|
Share Christmas Club*
|
$50.00
|
1.25%
|
1.26%
|
|
Share Vacation Club
|
$50.00
|
0.50%
|
0.50%
|
|
Share Draft
|
$2,000.00
|
0.25%
|
0.25%
|
|
Share Escrow
|
$50.00
|
0.25%
|
0.25%
|
|
Share Sweep **
|
$8,000.00
|
0.60%
|
0 - 0.60%
|
|
$8,000.01 & up
|
2.00%
|
0.60 - 2.01%
|
|
Share IRA Accumulation
|
$1.00
|
1.15%
|
1.15%
|
|
*Penalty for early withdrawal of Share Christmas Club prior to
maturity date. A $15.00 Fee will be
charged and account closed.
Share Christmas Club may be reopened the next year
|
|
**Must have Share Draft Checking and ATM/Debit Card.
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Share Certificates
(CD) 4-30-2010
|
|
|
Minimum
Balance
|
Rate
|
APY
|
|
6 Month-Youth
|
$250.00
|
0.9%
|
0.90%
|
|
6 Months
|
$2,500.00
|
1.0%
|
1.00%
|
|
12 Months
|
$500.00
|
1.2%
|
1.21%
|
|
24 Months
|
$500.00
|
1.6%
|
1.61%
|
|
36 Months
|
$500.00
|
2.1%
|
2.12%
|
|
60 Months
|
$500.00
|
2.5%
|
2.52%
|
|
Penalty for Early withdrawal of Share
Certificates - Forfeiture of dividends as
shown below:
Early withdrawal penalty is based on term of
certificate.
|
|
Terms of less than 12 months
|
30 days dividend
|
|
Terms of 12 or more months
|
90 days dividend
|
|
Terms of less than 12 months
|
30 days dividend
|
|
Exceptions to Early Withdrawal Penalties:
When an owner dies or is determined legally
incompetent by a court or other body of
competent jurisdiction.
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