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Savings Rates

Rates as of: 08/13/09

Savings Accounts
Type or Term of Account Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Minimum Balance to Avoid Monthly Fee
Passbook 0.25% 0.25% 1.00 50.00 N/A
Club Accounts 0.25% 0.25% 1.00 1.00 N/A
Statement Savings 0.25% 0.25% 1.00 250.00 250.00
Statement Savings 0.25% 0.25% 1.00 2,500.00 250.00
Statement Savings 0.25% 0.25% 1.00 5,000.00 250.00
Statement Savings 0.25% 0.25% 1.00 10,000.00 250.00
Statement Savings 0.25% 0.25% 1.00 25,000.00 250.00
Statement Savings 0.25% 0.25% 1.00 50,000.00 250.00
Statement Savings 0.50% 0.50% 1.00 100,000.00 250.00

 

Account Terms

  • Your interest rate and Annual Percentage Yield may change at any time at our discretion.
  • Interest is compounded daily on Passbooks and Clubs, and monthly Statement Savings.
  • Crediting is quarterly on Passbooks, monthly on Statement Savings and annually on Clubs as of the distribution date. No withdrawals permitted on Clubs. No interest will be paid if Club is closed early.
  • $2.50 fee per month if Statement Savings balance falls below Minimum Balance to Avoid Monthly Fee.
  • Overdraft and telephone transfers are limited to six (6) per month.

For All Accounts

  • Complete information regarding all deposit accounts may be obtained from a new accounts representative.

  • On ALL deposits, interest accrues from business day of deposit.

  • We use the daily balance method for minimum balance requirements and to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

  • We reserve the right to require 7 days written notice prior to withdrawals or transfers of funds.

  • For accounts with balances under $50, and no activity for three (3) years, a fee of $5.00 per year will be charged until the account is closed.

  • RATES OFFERED ARE SUBJECT TO CHANGE AT ANY TIME. Please call (267) 280-4000 to obtain current rate information.

  • Fees could reduce earnings on interest bearing accounts.

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