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Rates are in effect as of May 8, 2008
Rates are subject to change
without notice.
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| *
Annual Percentage Yield |
| Personal
Checking - 05/08/2008
|
Interest
Rate |
APY* |
Interest
Plus Checking
Minimum to Open - $25.00
Minimum Daily Balance to Earn APY: |
| Tier
1 - $0 to $499 |
0% |
0% |
| Tier
2 - $500 to $2,499 |
.15% |
.15% |
| Tier
3 - $2,500 to $9,000 |
.25% |
.25% |
Performance
Plus Checking
Minimum to Open - $25.00
Minimum Daily Balance to Earn APY: |
| Tier
1 - $0 to $2,499 |
0% |
0% |
| Tier
2- $2,500 to $24,999 |
.40% |
.40% |
| Tier
3 - $25,000 to $49,999 |
.60% |
.60% |
| Tier
4 - $50,000 and greater |
.75% |
.75% |
|
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*
Annual Percentage Yield |
| Personal
Savings - 05/08/2008
|
Interest
Rate |
APY*
|
Passbook
Savings
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY - $100.00 |
.50% |
.50% |
Statement
Savings
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY - $200.00 |
.50% |
.50% |
Holiday
Savings Club
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY: |
| $0
to $499 |
.25% |
.25% |
| $500
to $999 |
.40% |
.40% |
| $1,000
and greater |
.50% |
.50% |
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Annual Percentage Yield |
| Money
Market Accounts - 05/08/2008
|
Interest
Rate |
APY* |
Minimum
to Open - $10.00
Minimum Daily Balance to Earn APY: |
| $0
to $2,499 |
.50% |
.50% |
| $2,500
to $9,999 |
.50% |
.50% |
| $10,000
to $49,999 |
.75% |
.75% |
| $50,000
and greater |
1.24% |
1.25% |
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*
Annual Percentage Yield |
| Jumbo
Money Market Accounts - 05/08/2008
|
Interest
Rate |
APY* |
Minimum
to Open - $10.00
Minimum Daily Balance to Earn APY: |
| $0
to $49,999 |
.75% |
.75% |
| $50,000
to $99,999 |
1.24% |
1.25% |
| $100,000
to $249,999 |
1.98% |
2.00% |
| $250,000
to $499,999 |
1.98% |
2.00% |
| $500,000
and greater |
1.98% |
2.00% |
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Annual Percentage Yield |
|
Certificates
of Deposit & - 05/08/2008
Individual Retirement Account
|
Interest
Rate |
APY* |
3
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.23% |
2.25% |
| Tier
2 $ 10,000 |
2.23% |
2.25% |
| Tier
3 $ 50,000 |
2.23% |
2.25% |
| Tier
4 $100,00 and up |
2.23% |
2.25% |
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6
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.23% |
2.25% |
| Tier
2 $ 10,000 |
2.23% |
2.25% |
| Tier
3 $ 50,000 |
2.23% |
2.25% |
| Tier
4 $100,00 and up |
2.23% |
2.25% |
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6
Month High Yield
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.47% |
2.50% |
| Tier
2 $ 10,000 |
2.47% |
2.50% |
| Tier
3 $ 50,000 |
2.47% |
2.50% |
| Tier
4 $100,00 and up |
2.47% |
2.50% |
|
8
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.72% |
2.75% |
| Tier
2 $ 10,000 |
2.72% |
2.75% |
| Tier
3 $ 50,000 |
2.72% |
2.75% |
| Tier
4 $100,00 and up |
2.72% |
2.75% |
|
9
Month - 20/20 Bump-Up
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.47% |
2.50% |
| Tier
2 $ 10,000 |
2.47% |
2.50% |
| Tier
3 $ 50,000 |
2.47% |
2.50% |
| Tier
4 $100,00 and up |
2.47% |
2.50% |
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10
Month
Minimum to Open - $10,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.72% |
2.75% |
| Tier
2 $ 10,000 |
2.72% |
2.75% |
| Tier
3 $ 50,000 |
2.72% |
2.75% |
| Tier
4 $100,00 and up |
2.72% |
2.75% |
|
10
Month "Flexible" (not available for IRAs)
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 10,000 |
2.57% |
2.60% |
| Tier
2 $ 50,000 |
2.57% |
2.60% |
| Tier
3 $100,00 and up |
2.57% |
2.60% |
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12
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.47% |
2.50% |
| Tier
2 $ 10,000 |
2.47% |
2.50% |
| Tier
3 $ 50,000 |
2.47% |
2.50% |
| Tier
4 $100,00 and up |
2.47% |
2.50% |
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15
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.57% |
2.60% |
| Tier
2 $ 10,000 |
2.57% |
2.60% |
| Tier
3 $ 50,000 |
2.57% |
2.60% |
| Tier
4 $100,00 and up |
2.57% |
2.60% |
|
18
Month 20/20 Bump-Up
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.72% |
2.75% |
| Tier
2 $ 10,000 |
2.72% |
2.75% |
| Tier
3 $ 50,000 |
2.72% |
2.75% |
| Tier
4 $100,00 and up |
2.72% |
2.75% |
|
20
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.81% |
2.85% |
| Tier
2 $ 10,000 |
2.81% |
2.85% |
| Tier
3 $ 50,000 |
2.81% |
2.85% |
| Tier
4 $100,00 and up |
2.81% |
2.85% |
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24
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.96% |
3.00% |
| Tier
2 $ 10,000 |
2.96% |
3.00% |
| Tier
3 $ 50,000 |
2.96% |
3.00% |
| Tier
4 $100,00 and up |
2.96% |
3.00% |
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28
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.96% |
3.00% |
| Tier
2 $ 10,000 |
2.96% |
3.00% |
| Tier
3 $ 50,000 |
2.96% |
3.00% |
| Tier
4 $100,00 and up |
2.96% |
3.00% |
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30
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
2.96% |
3.00% |
| Tier
2 $ 10,000 |
2.96% |
3.00% |
| Tier
3 $ 50,000 |
2.96% |
3.00% |
| Tier
4 $100,00 and up |
2.96% |
3.00% |
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36
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
3.20% |
3.25% |
| Tier
2 $ 10,000 |
3.20% |
3.25% |
| Tier
3 $ 50,000 |
3.20% |
3.25% |
| Tier
4 $100,00 and up |
3.20% |
3.25% |
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48
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
3.45% |
3.50% |
| Tier
2 $ 10,000 |
3.45% |
3.50% |
| Tier
3 $ 50,000 |
3.45% |
3.50% |
| Tier
4 $100,00 and up |
3.45% |
3.50% |
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60
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 $ 1,000 |
3.45% |
3.50% |
| Tier
2 $ 10,000 |
3.45% |
3.50% |
| Tier
3 $ 50,000 |
3.45% |
3.50% |
| Tier
4 $100,00 and up |
3.45% |
3.50% |
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Interest
Plus Checking, Performance Plus Checking, Passbook Savings,
Statement Savings and Money Market Accounts are variable rate
accounts. The
Interest Rate and Annual Percentage Yield (APY) may change after
the opening of these type of accounts.
Certificates
of Deposit are subject to a substantial penalty for any
withdrawal of principal prior to maturity.
The early withdrawal penalty will equal 90 days interest
on the amount withdrawn for CD’s with an original maturity of
1 year or less, 180 days interest for CD’s with an original
maturity greater than 1 year.
The stated yield for CD’s of less than one year assumes
the reinvestment of principal and interest at the same rate,
although that rate may not be available upon renewal.
Interest
on all accounts is compounded monthly from day of deposit to day
of withdrawal and shall be credited to the account monthly.
Fees
and other conditions may reduce the earnings on the account.
The
Deposit Rates quoted are accurate as of the date at the top of
this page. All
deposit rates and annual percentage yields offered are subject
to change without notice. For
today’s rates and yields, call us or visit one of our
convenient locations.
For
full account details, please contact the branch office most
convenient to you or call
our Customer Service Center at (860) 688-8511.
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Housing Lender