Certificates of Deposit

Interest
   Rate   

APY*

3 Month $1,000-$99,999

  1.50%

1.51%

3 Month $100,000 & over

  1.75%

1.76%

6 Month $1,000-$99,999

  1.50%

1.51%

6 Month $100,000 & over

  1.75%

1.76%

1 Year $1,000-$99,999

  1.75%

1.76%

1 Year $100,000 & over

  2.00%

2.02%

2 Year $1,000-$99,999

  1.75%

1.76%

2 Year $100,000 & over

  2.00%

2.02%

3 Year $1,000-$99,999

  2.00%

2.02%

3 Year $100,000 & over

  2.25%

2.27%

4 Year $1,000-$99,999

  2.25%

2.27%

4 Year $100,000 & over

  2.50%

2.52%

5 Year $1,000-$99,999

  2.50%

2.52%

5 Year $100,000 & over

  2.75%

2.78%

IRA's $1,000-$99,999

  2.25%

2.27%

IRA's $100,000 & over

  2.50%

2.52%

Minimum of $1000 to open Certificate of Deposit

Substantial penalty for early withdrawal.
*Annual percentage yield (APY) is based on quarterly compounding.

The following savings and checking account interest rates are effective 6/01/2010 

Savings

Passbook $200 Minimum** 

  1.00%

1.00%

Money Market $2500 Minimum**
If average balance for the month falls below $2500 rate reduces to .50 (.50APY) 

  1.50%

1.51%

Checking Accounts

Now Account $800 Minimum**

  .50%

.50%

Super Now Account $2500 Minimum**
If average balance for the month falls below $2500 rate reduces to .50 (.50APY)

  .50%

.50%