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Certificates of Deposit
as of August 7, 2008
You can increase your CD rate by .25 for ANY of our CDs if you have two additional accounts with us. Please see a Customer Service Representative today for the APY!
APY= Annual Percentage Yield
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Under $10,000.00
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$10,000.00 to $49,999.99
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$50,000.00 and OVER
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Current Rate
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APY
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Current Rate
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APY*
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Current Rate
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APY*
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91 days*
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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182 days*
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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9 months*
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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12 months*
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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18 months**
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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24 months##
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2.75%
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2.78%
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2.85%
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2.88%
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3.00%
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3.03%
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30 months**
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2.75%
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2.78%
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2.85%
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2.88%
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3.00%
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3.03%
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36 months**
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2.90%
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2.93%
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3.00%
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3.03%
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3.15%
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3.19%
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48 months**
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2.90%
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2.93%
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3.00%
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3.03%
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3.15%
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3.19%
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60 months**
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2.50%
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2.52%
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2.60%
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2.63%
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2.75%
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2.78%
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The 91 day CD pays interest at maturity. There is no compounding during the term. Interest is credited and compounded quarterly on all remaining CDs. As a service to our CD customers, you may elect to receive your interest by check or have it credited to your deposit account on a quarterly basis. If you elect to take your interest in this manner, you will not receive the benefit of compounding.
##OUR FREEDOM CD ALLOWS YOU TO INCREASE YOUR RATE ONCE DURING A 24 MONTH TERM!
*Minimum deposit required is $1,000. Penalty of one month's interest is imposed on early withdrawal.
**Minimum deposit required is $1,000. Penalty of three months' interest is imposed on early withdrawal.
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Checking and Savings Accounts
as of August 7, 2008
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Account Type
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Compounding
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Interest
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APY*
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Minimum Balance
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All American*****
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Monthly
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1.00%
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1.01%
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$100.00 to open
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Custom 50*****
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Monthly
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1.50%
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1.51%
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$25.00 to open
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NOW Account*****
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Monthly
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1.50%
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1.51%
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$500.00 to open & avoid fees
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Super NOW Account*****
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Monthly
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2.00%
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2.02%
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$5,000.00 to open & avoid fees
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Health Savings Account*****
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Quarterly
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3.00%
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3.03%
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None
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Regular Savings*****
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Quarterly
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2.00%
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2.02%
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$50.00 to open ($0 if under 18yrs or over 50 yrs)
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Holiday Club Savings******
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Quarterly
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2.00%
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2.02%
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$5.00 to open
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IRA Variable Savings #
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Quarterly
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2.00%
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2.02%
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$25.00
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Money Market Savings***** $1,000-$9,999.99
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Monthly
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2.00%
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2.02%
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$1,000.00 to avoid fees
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Money Market Savings***** $10,000-$24,999.99
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Monthly
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2.25%
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2.27%
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$1,000.00 to avoid fees
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Money Market Savings***** $25,000 and OVER
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Monthly
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2.50%
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2.53%
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$1,000.00 to avoid fees
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*APY = Annual Percentage Yield. Rates subject to change at any time.
# A tax penalty for early withdrawal from an IRA may apply. Past performance does not guarantee future results.
*****Fees could reduce earnings on the above accounts. The interest rates may change after the account is opened.
******No withdrawals. Checks will cut around October 31st every year.
Please contact a Customer Service Representative for further information about applicable fees and terms.
MEMEBER FDIC
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