Current Deposit Rates

Effective Date: March 20, 2014

Certificate of Deposit (CD)* Rates

Term Minimum Interest Rate Annual Percentage Yield (APY) Interest Computation
3 month $2,500.00 0.10% **0.10% Simple Interest
6 month $2,500.00 0.20% **0.20% Simple Interest
9 month $5,000.00 0.25% **0.25% Simple Interest
12 month $1,000.00 0.60% 0.60% Simple Interest
15 month $5,000.00 0.80% 0.80% Simple Interest
18 month $1,000.00 0.85% 0.85% Simple Interest
24 month $2,500.00 0.95% 0.95% Simple Interest
30 month $2,500.00 1.00% 1.00% Simple Interest
36 month $2,500.00 1.05% 1.05% Simple Interest
48 month $5,000.00 1.25% 1.25% Simple Interest
60 month $5,000.00 1.50% 1.50% Simple Interest

* There may be a substantial penalty imposed for early withdrawal of time deposits.
** APY based on Interest added on at maturity and renewed at the same rate.

Individual Retirement Account (IRA)* Rates

Term Interest Rate Annual Percentage Yield (APY) Interest Computation
Passbook 0.10% 0.10% Compound Daily
12 month 0.60% 0.60% Compound Daily
15 month 0.80% 0.80% Compound Daily
18 month 0.85% 0.85% Compound Daily
24 month 0.95% 0.95% Compound Daily
36 month 1.04% 1.05% Compound Daily
48 month 1.24% 1.25% Compound Daily
60 month 1.49% 1.50% Compound Daily

* There may be a substantial penalty imposed for early withdrawal of time deposits.

Money Market Deposit Account (MMDA) Rates

Type of MMDA Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular MMDA
$1,000.00 & Over 0.02% 0.02% Simple Interest
Paid Monthly
$999.99 & Under 0.01% 0.01% Simple Interest
Paid Monthly
Super Saver MMDA
$20,000 & Over 0.10% 0.10% Compound Daily
Paid Monthly
$10,000.00 - $19,999.99 0.03% 0.03% Compound Daily
Paid Monthly
Under $10,000.00 0.01% 0.01% Compound Daily
Paid Monthly

Health Savings Account Rates

Daily Balance Interest Rate Annual Percentage Yield (APY) Interest Computation
$50,000.00 & Over 0.60% 0.60% Simple Interest Paid Monthly
$25,000.00 - $49,999.99 0.50% 0.50% Simple Interest Paid Monthly
$15,000.00 - $24,999.99 0.15% 0.15% Simple Interest Paid Monthly
$5,000.00 - $14,999.99 0.10% 0.10% Simple Interest Paid Monthly
$1,000.00 - $4,999.99 0.01% 0.01% Simple Interest Paid Monthly
$0 - $999.99 0.00% 0.00% Simple Interest Paid Monthly

Savings Account Rates

Accounts Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular Savings 0.01% 0.01% Simple Interest
Paid Quarterly
Combo Savings Club (Ages 12 & under) 0.01% 0.01% Simple Interest
Paid Quarterly
Cool Cash Savings Club (Ages 13 to 24) 0.06% 0.06% Simple Interest
Paid Quarterly
Christmas Club 0.01% 0.01% Simple Interest
Paid Annually

Checking Account Rates

Accounts Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular NOW Account 0.01% 0.01% Simple Interest
Paid Monthly
Winner NOW Account 0.01% 0.01% Simple Interest
Paid Monthly
Classic Plus NOW Account 0.01% 0.01% Simple Interest
Paid Monthly

There may be substantial penalty imposed for early withdrawal of time deposits.
Interest rates offered are within the most recent 7 calendar days and are subject to change.
Interest rates and Annual Percentage Yield (APY's) are accurate as of March 20, 2014.

For more information, please contact us.