Deposit Rates

Advantage Share Draft (Checking) Account1Rates Effective 4/1/2014
Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$5,000 0.10% 0.10%
1Rates may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.
Savings (Share) AccountRates Effective 4/1/2014
Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY)
$5 $100 0.310% 0.310%
1Rates may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.
Money Market Accounts1Rates Effective 4/1/2014
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$1,000 $150,000 and more 0.50% 0.50%
$1,000 $100,000 - 149,999.99 0.45% 0.45%
$1,000 $75,000 - 99,999.99 0.35% 0.35%
$1,000 $50,000 - 74,999.99 0.35% 0.35%
$1,000 $25,000 - 49,999.99 0.30% 0.30%
$1,000 $10,000 - 24,999.99 0.30% 0.30%
$1,000 $1,000 - 9,999.99 0.10% 0.10%
$1,000 $.01 - 999.99 0.10% 0.10%
1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited monthly.
Fixed Rate Share CertificateRates Effective 4/1/2014
Term Minimum to Open Dividend Rate1 Annual Percentage Yield (APY)
6-month $1,000 0.55% 0.55%
12-Month $1,000 0.85% 0.85%
18-Month $1,000 1.00% 1.00%
24-Month $1,000 1.00% 1.00%
36-month $1,000 1.30% 1.306%
48-month $1,000 1.55% 1.559%
60-month $1,000 1.80% 1.812%
1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first quarterly.
Traditional, Roth IRA and ESA AccountsRates Effective 4/1/2014
Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY)
Traditional IRA (Share) Savings $5 $100 0.310%2 0.310%
Coverdell ESA (Share) Savings $5 $100 0.310%2 0.310%
Traditional IRA Money Market $100 $150,000 and more 0.50%3 0.50%
    $100,000 - $149,999.99 0.45% 0.45%
    $75,000 - 99,999.99 0.35% 0.35%
    $50,000 - 74,999.99 0.35% 0.35%
    $25,000 - 49,999.99 0.30% 0.30%
    $10,000-24,999.99 0.30% 0.30%
    $1,000 - 9,999.99 0.10% 0.10%
    $.01 - 999.99 0.10% 0.10%
Roth IRA Money Market $100 $150,000 and more 0.50% 0.50%
    $100,000 - $149,999.99 0.45%3 0.45%
    $75,000 - 99,999.99 0.35% 0.35%
    $50,000 - 74,999.99 0.35% 0.35%
    $25,000 - 49,999.99 0.30% 0.30%
    $10,000 - 24,999.99 0.30% 0.30%
    $1,000 - 9,999.99 0.10% 0.10%
    $.01 - 999.99 0.10% 0.10%
1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal.
2Dividends are compounded and credited quarterly.
3Dividends are compounded and credited quarterly.
Traditional, Educational and Roth IRA Fixed Rate CertificatesRates Effective 4/1/2014
Term Minimum to Open Dividend Rate1 Annual Percentage Yield (APY)
6-month $1,000 0.55% 0.55%
12-Month $1,000 0.85% 0.85%
18-Month $1,000 1.00% 1.00%
24-Month $1,000 1.00% 1.00%
36-month $1,000 1.30% 1.306%
48-month $1,000 1.55% 1.559%
60-month $1,000 1.80% 1.812%
1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first quarterly.

Deposit Rates