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SELECT AN OPTION:

 Rate Schedule

Effective Date: September 4, 2008

 

*Annual Percentage Yield

SAVINGS

BALANCE
TO OPEN

MINIMUM BALANCE
TO EARN INTEREST

INTEREST
RATE

DAILY COMPOUNDED ANNUAL PERCENTAGE YEILD

Regular Passbook Savings

    $50.00

$50.00

0.75%

0.76%

Junior Passbook

$0.00

$0.00

0.75%

0.76%

Statement Saving

    $100.00

$100.00

0.50%

0.51%

Christmas Club

$0.00

$0.00

0.75%

0.76%

Vacation Club

$0.00

$0.00

0.75%

0.76%

CHECKING

-

-

-

N.O.W. Account

    $250.00

    $250.00

0.50%

0.51%

MONEY MARKET ACCOUNTS

-

-

-

Money Market Checking

    $1,000.00

    $1,000.00

0.75%

0.76%

Money Market Savings

    $1,000.00

    $1,000.00

1.00%

1.02%

Money Market IRA

    $100.00

    $1,000.00

1.25%

1.28%

Personal Gold Money Market

$25,000.00

 

$25,000-$49,999.99
$50,000 - $99,999.99
$100,000 and over

1.86%
2.19%
 2.915%

1.90%
2.25%
3.00%

Money Market Premiere

 

$10,000

$10,000 - $24,999.99
$25,000-$49,999.99
$50,000 and over

1.16%
1.65%
2.11%

1.18%
1.69%
2.16%

 
Interest Rates for all savings, money market and checking accounts are subject to change.

CERTIFICATE OF DEPOSIT

-

-

-

31 Day Certificate

    $1,000.00

    $1,000.00

 2.00%

2.05%

91 Day Certificate

    $1,000.00

    $1,000.00

2.435%

2.50%

6 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99
$10,000.00 and over

2.53%
2.63%
2.915%

2.60%
2.70%
3.00%

9 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99 $10,000 and over

2.58%
2.68%
2.915%

2.65%
2.75%
3.00%

12 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99 $10,000 and over

2.68%
3.87%
3.87%

2.75%
4.00%
4.00%

15 Month Certificate

$1,000.00

$1,000 to $9,999.99 $10,000 and over

2.72%
3.06%

2.80%
3.15%

18 Month Certificate

    $1,000.00

    $1,000.00

2.915%

3.00%

24 Month Certificate

    $1,000.00

$1,000 to $9,999.99 $10,000 and over

2.96%
3.25%

3.05%
3.35%

30 Month Certificate

    $1,000.00

    $1,000.00

3.30%

3.40%

5 Year Certificate

    $1,000.00

$1,000 to $9,999.99
$10,000 and over

3.44%
4.11%

3.55%
4.25%

10 Year Certificate

    $1,000.00

    $1,000.00

4.01%

4.15%

PENALTIES IMPOSED FOR EARLY WITHDRAWAL OF CERTIFICATES
FEES MAY REDUCE INTEREST EARNED