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Savings & Checking Dividend Rates
CERTIFICATE SPECIAL! 11 MONTHS 4.07% apy
$1000 Minimum
DIVIDENDS
Dividends are declared by the Board of Directors and reflect current earnings.
We may offer different rates in the future. APY means Annual Percentage Yield.
Account |
Minimum |
Annual
Percentage Yield* |
|
| Savings Accounts (Share Accounts) September 30, 2008 |
Regular Shares, Pay Yourself First, First Mates, and BAYZ Accounts:
|
$5-$4,999 |
.25% APY |
$5,000 to $24,999 |
.30% APY |
$25,000 and over
|
.35% APY |
Business & Community
Savings Accounts:
Fees could reduce earnings |
$5-$4,999 |
.25% APY |
|
$5,000 to $24,999
|
.30% APY |
$25,000 and over
|
.35% APY |
| |
Account |
Minimum |
Annual
Percentage Yield* |
|
| Checking (Share Drafts) September 30, 2008 |
CHECKING Plus
Fees could reduce earnings |
-- |
.30% APY |
HIGH Yield Checking
Rate Set Monthly:
Fees could reduce earnings |
|
.50% APY |
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Over $10,000 |
.75% APY |
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Account |
Minimum |
Annual
Percentage Yield* |
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| Holiday Savings Rate set annually September 30 |
Holiday Club Accounts
|
-- |
.50% APY
Rate Paid 9/30/08 |
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Account |
Minimum |
Annual
Percentage Yield* |
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| Education Savings September 30, 2008 |
Coverdell Education
Savings Account:
|
-- |
.50% APY |
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Account |
Minimum |
Annual
Percentage Yield* |
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| Individual Retirement Accounts (IRA) September 30, 2008 |
Traditional
& Roth IRA:
|
$5 - $4,999 |
.40% APY |
$5,000 to $24,999 |
.60% APY |
$25,000 and Over |
.75% APY |
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Account |
Minimum |
Annual
Percentage Yield* |
|
| Money Market Rates may change weekly. Effective 10/01/2008 |
Money Market
Dividend Rates
Fees could reduce earnings |
$2,500 to $9,999 |
1.00% APY |
$10,000 - $24,999
|
1.25% APY |
$25,000 - $49,000 |
1.75% APY |
$50,000 - $99,000 |
2.00% APY |
$100,000 and over |
2.25% APY |
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Account |
Minimum |
Annual
Percentage Yield* |
|
| Share Certificates 10/01/2008 |
Share Certificate Dividend Rates
A penalty will be imposed
for early withdrawal
$1,000 Minimum Balance
|
180-364 Days |
2.20% APY |
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12 Months |
2.65% APY |
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24 Months |
2.85% APY |
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36 Months |
3.51% APY |
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48 Months |
4.11% APY |
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60 Months |
4.11% APY |
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