Savings Rates – Effective January 7th, 2016

Savings Accounts: Rates effective January 7, 2016
Share Saving Accounts* RATE APY**
$.00 - 99.99 0.00% 0.00%
$100.00 - 1,999.99 0.05% .0001 - 0.05%
$2,000.00 - $9,999.99 0.10% 0.0476 - 0.09%
$10,000.00 - 49,999.99 0.15% 0.0896 - 0.14%
$50,000.00 and up 0.20% 0.1381- 0.20%
Money Market Advantage
$.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $4,999.99 0.20% .1502 - .1753%
$5,000.00 - $24,999.99 0.25% .1753 - .2354%
$25,000.00 - $49,999.99 0.30% .2354- .2680%
$50,000.00 and up 0.35% .2680- .3502%
Money Market Elite
$.00 - $24,999.99 0.30% 0.30%
$25,000 and up 0.40% 0.40%
IRA Share Account
Min. Deposit: $25.00
Dividends compounded monthly. Multiple Deposits may be made throughout the tax year.
0.10% 0.10%
Club Accounts*
Pee Wee 0.05% 0.05%
Christmas Club 0.05% 0.05%
*Compounded monthly.
Checking
Smart 0.10% 0.10%
Dividends are compounded monthly on the average daily balance over $200
Easy 0.10% 0.10%
Business Checking 0.10% 0.10%
Dividends are compounded monthly on the average daily balance over $500
Share Certificates
3 Months 0.30% 0.30%
Dividends paid at maturity
6 Months 0.35% 0.35%
9 Months  0.35% 0.35%
12 Months 0.60% 0.60%
18 Months 0.70% 0.70%
24 Months 0.80% 0.80%
3 Year Step-up 0.90% 0.90%
5 year Step-up 1.10% 1.10%
***Compounded monthly with a minimum deposit of $500.00
IRA Share Certificates: Roth and Traditional****
9 Month  0.35% 0.35%
12 Month 0.60% 0.60%
18 Month 0.70% 0.70%
****compounded quarterly with minimum deposit of $500.
IRA Share Certificates: Coverdell Education Savings Account****
12 Month 0.60% 0.60%
****compounded quarterly with minimum deposit of $500.

**APY=annual percentage yield. All dividends are compounded on average daily balances.

Easy & Business Checking:
Dividends are compounded monthly on the average daily balance over $500.00 at the rate of 0.25% with an APY of 0.25%

Smart Club:
Dividends are compounded monthly on the average daily balance over $200.00 at the rate of 0.25% with an APY of 0.25%

Free Checking:
Non interest bearing account.