Savings Rates – Effective November 1st, 2018

All Rates Subject to Change

Savings Accounts: Rates effective November 1, 2018 - All Rates Subject to Change
Share Saving Accounts* RATE APY**
$.00 - 99.99 0.00% 0.00%
$100.00 - 1,999.99 0.10% .0476 - 0.09%
$2,000.00 - $9,999.99 0.15% 0.0896 - 0.14%
$10,000.00 - 49,999.99 0.20% 0.1381 - 0.20%
$50,000.00 and up 0.40% 0.3081- 0.401%
Money Market Advantage
$.00 - $2,499.99 0.2% 0.1502 - .1753%
$2,500.00 - $4,999.99 0.30% .2354 - .2680%
$5,000.00 - $24,999.99 0.35% .2680 - .3502%
$25,000.00 - $49,999.99 0.40% .3601 - .401%
$50,000.00 and up 0.65% .4010- .652%
Money Market Elite
$.00 - $24,999.99 0.40% 0.40%
$25,000 and up 0.55% 0.55%
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*
Minor Savings 0.10% 0.10%
Christmas Club 0.15% 0.15%
*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 0.40% 0.40%
Dividends paid at maturity
6 Months 0.75% 0.75%
9 Months  0.75% 0.75%
12 Months 0.90% 0.90%
18 Months 1.00% 1.00%
24 Months 1.25% 1.25%
3 Year Step-up 1.40% 1.40%
5 year Step-up 1.60% 1.60%
***Compounded monthly with a minimum deposit of $500.00
IRA Share Certificates: Roth and Traditional****
9 Month  0.75% 0.75%
12 Month 0.90% 0.90%
18 Month 1.00% 1.00%
****compounded quarterly with minimum deposit of $500.
IRA Share Certificates: Coverdell Education Savings Account****
12 Month 0.90% 0.90%
****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 0.10% with an APY of 0.10%

Smart Checking:
Dividends are compounded monthly on the average daily balance over $200.00 at the rate of 0.10% with an APY of 0.10%

Free Checking:
Non interest bearing account.