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Savings
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Deposit Rates
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Wednesday, July 23, 2008
Deposit Rates
Checking Accounts
Account
Minimum to Open
Minimum to Earn Dividend
Dividend Rate
APY*
Traditional, Student
$25
$500 to $2,499.99
.150%
.15%
$2,500 and $4,999.99
.200%
.20%
$5,000 and up
.250%
.25%
Prestige
$2,500
$2,500 to $9,999.99
.995%
1.00%
$10,000 to $24,999.99
1.242%
1.25%
$25,000 and up
1.489%
1.50%
Reward, Free, Flexible
$25
N/A
N/A
N/A
Health Savings Account (HSA Checking)
$25
$100
4.889%
5.00%
Savings Accounts
Account
Minimum to Open
Minimum to Earn Dividend
Dividend Rate
APY*
Share Savings
$25
$500 to $4,999.99
.200%
.20%
$5,000 to $9,999.99
.250%
.25%
$10,000 to $24,999.99
.349%
.35%
$25,000 to $49,999.99
.499%
.50%
$50,000 and up
.847%
.85%
Christmas Club & Vacation Club
$5
$100
.250%
.25%
Kid's Club and Smart Start Club
$25
$25
.500%
.50%
Term Share Certificates
Term
Dividend Rate
APY*
6 Month
2.129%
2.15%
1 Year
2.227%
2.25%
18 Month
2.325%
2.35%
2 Year
2.521%
2.55%
3 Year
2.716%
2.75%
4 Year
3.251%
3.30%
5 Year
3.300%
3.35%
Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000.
Mini-Jumbo Certificates
Term
Dividend Rate
APY*
1 Year
2.325%
2.35%
18 Month
2.423%
2.45%
2 Year
2.618%
2.65%
3 Year
2.813%
2.85%
4 Year
3.348%
3.40%
5 Year
3.397%
3.45%
Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99.
Jumbo Certificates
Term
Dividend Rate
APY*
1 Year
2.423%
2.45%
18 Month
2.521%
2.55%
2 Year
2.716%
2.75%
3 Year
2.911%
2.95%
4 Year
3.445%
3.50%
5 Year
3.494%
3.55%
Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000.
Individual Retirement Account
(IRA Term Share Certificates)
Term
Dividend Rate
APY*
6 Month
2.129%
2.15%
1 Year
2.227%
2.25%
18 Month
2.325%
2.35%
2 Year
2.521%
2.55%
3 Year
2.716%
2.75%
4 Year
3.251%
3.30%
5 Year
3.300%
3.35%
Minimum deposit of $250 is required to open an IRA Term Share Certificate; an average daily balance of $500 is required to earn dividends.
Individual Retirement Account
Share Savings
Minimum to Earn Dividend
Dividend Rate
APY*
$25 to $4,999.99
.200%
.20%
$5,000 to $9,999.99
.250%
.25%
$10,000 to 24,999.99
.349%
.35%
$25,000 to $49,999.99
.499%
.50%
$50,000 and up
.847%
.85%
Minimum deposit of $25 is required to open an IRA Share Savings Account; an average daily balance of $25 is required to earn dividends.
Money Market Accounts
Minimum to Earn Dividend
Dividend Rate
APY*
$1,000 to $9,999.99
0.995%
1.00%
$10,000 to 24,999.99
1.243%
1.25%
$25,000 to $49,999.99
1.736%
1.75%
$50,000 to $299,999.99
1.736%
1.75%
$300,000 to $499,999.99
1.982%
2.00%
$500,000 to $999,999.99
1.982%
2.00%
$1,000,000 and up
1.982%
2.00%
Minimum deposit of $1,000 required to open a Money Market Account; fees may reduce earnings.
* Annual Percentage Yield (APY) rates are effective 5/01/2008. All rates are subject to change without notice.