|
 |
DIVIDEND RATES
|
Regular Shares
|
|
|
| TIERED SHARE LIMITS AND RATES |
DIVIDEND RATE
|
APY*
|
| AMOUNT |
|
|
| $25.00 or less |
0.00%
|
0.00%
|
| $25.01 - $100 |
0.10%
|
0.10%
|
| $100.01 - $1,000 |
0.20%
|
0.20%
|
| $1,000.01 - $10,000 |
0.30%
|
0.30%
|
| $10,000.01 - $50,000 |
0.40%
|
0.40%
|
| Over $50,000 |
0.70%
|
0.70%
|
APY* = Annual Percentage Yield based on quarterly compounding of interest.
Dividends declared Dec. 29, 2009 effective for Oct 1, 2009 thru Dec. 31, 2009.
Rates may change after account is opened.
Minimum balance to open share account is $25.
Fees may reduce earnings on this account.
|
Christmas Club Share ($25 Minimum Deposit)
|
| |
DIVIDEND RATE
|
APY*
|
| |
0.75%
|
0.75%
|
APY* = Annual Percentage Yield based on quarterly compounding of interest.
Rates are effective Dec. 29, 2009 effective for Oct 1, 2009 thru Dec. 30, 2009
and subject to change without notice.
A penalty may be imposed for early withdrawal.
|
Share Term Certificates ($1,000 Minimum Deposit)
|
| TERM |
DIVIDEND RATE
|
APY*
|
| 6 Month |
0.90%
|
0.90%
|
| 7 Month |
0.95%
|
0.95%
|
| 12 Month |
1.05%
|
1.06%
|
| 13 Month |
1.10%
|
1.11%
|
| 18 Month |
1.25%
|
1.26%
|
| 24 Month |
1.60%
|
1.61%
|
|
36 Month
|
2.00%
|
2.02%
|
APY* = Annual Percentage Yield based on monthly compounding of interest.
Rates are effective Dec. 30, 2009 and subject to change without notice.
A penalty may be imposed for early withdrawal.
|
IRA Shares ($25 Minimum Deposit) (includes Traditional IRA, ROTH IRA, and Education Savings Accounts)
|
| |
DIVIDEND RATE
|
APY*
|
| |
0.75%
|
0.75%
|
APY* = Annual Percentage Yield based on quarterly compounding of interest.
Rates are effective Dec 29, 2009 effective for Oct 1, 2009 thru Dec. 30, 2009
and subject to change without notice.
A penalty may be imposed for early withdrawal.
|
IRA Share Term Certificates ($1,000 Minimum Deposit) (includes Traditional IRA, ROTH IRA, and Education Savings Accounts)
|
| TERM |
DIVIDEND RATE
|
APY*
|
| 6 Month |
0.95%
|
0.95%
|
| 7 Month |
1.00%
|
1.00%
|
| 12 Month |
1.10%
|
1.11%
|
| 13 Month |
1.15%
|
1.16%
|
| 18 Month |
1.30%
|
1.31%
|
| 24 Month |
1.65%
|
1.66%
|
|
36 Month
|
2.05%
|
2.07%
|
APY* = Annual Percentage Yield based on monthly compounding of interest.
Rates are effective Dec. 30, 2009 and subject to change without notice.
A penalty may be imposed for early withdrawal.
LOAN RATES
Loan rates are varied utilizing a risk-based pricing matrix, loan term
and year model of collateral, except for cash secured loans as defined below.
Loan Rates are subject to change.
|
Cash Secured Loans
|
| LOAN TYPE |
APR*
|
TERM/CONDITION
|
| SHARE SECURED |
3.50%
|
over dividend rate
|
| SHARE CERTIFICATE SECURED |
2.50%
|
over dividend rate
|
APR* = Annual Percentage Rate
Loan Rates are subject to change.
|
VISA Credit Card
|
| LOAN TYPE |
APR*
|
TERM/CONDITION
|
| CLASSIC |
12.25%
|
No Annual Fee
|
| GOLD |
12.25%
|
No Annual Fee
|
APR* = Annual Percentage Rate
Loan Rates are subject to change. |
