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SHARE RATES
View in printable PDF format here. Truth in Savings
Savings rates accurate as of April 1, 2008
| Account Type | Minimum Opening Balance to Avoid Service Fee | Minimun Balance to Earn Stated APY | Dividend Rate | Annual Percentage Yield (APY) |
| Membership Share | $5 | $5 | 0.50% | 0.50% |
| Money Market Account | None | <$2,500 $2,500-$24,999 $25,000-$49,999 $50,000 -$74,000 $75,000-$99,000 $100,000+ |
0.50% 1.59% 1.98% 2.62% 2.62% 2.62% |
0.50% 1.60% 2.00% 2.65% 2.65% 2.65% |
| Holiday Club | None | None | 0.50% | 0.50% |
| IRA Savings | None | $5 | 0.75% | 0.75% |
| Global Checking Plus & Global 50 Checking Plus |
N/A | $1,000 | 0.25% | 0.25% |
| Star Checking | N/A | < $25,000.00 |
4.89% 1.98 % 0.25% |
5.01% |
| Premier Checking | $1,000 | $1,000 | 0.25% | 0.25% |
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SMART SAVER CERTIFICATES |
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| Term | Dividend Rate | APY | ||
| 6 month | 2.18% | 2.20% | ||
| 12 month | 2.67% | 2.70% | ||
| 24 month | 2.77% | 2.80% | ||
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SMART SAVER IRA CERTIFICATES |
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| Term | Dividend Rate | APY | ||
| 6 month | 2.43% | 2.45% | ||
| 12 month | 2.92% | 2.95% | ||
| 24 month | 3.02% | 3.05% | ||
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SMART SAVER YOUTH CERTIFICATE |
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| 12 month | 2.67% | 2.70% | ||
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MONEY MARKET CERTIFICATES |
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| $10,000 | $50,000 | |||
| Term | Rate | APY | Rate | APY |
| 6 month | 3.41% | 3.45% | 3.46% | 3.50% |
| 12 month | 3.41% | 3.45% | 3.46% | 3.50% |
| 24 month | 3.46% | 3.50% | 3.50% | 3.55% |
| 60 month | 3.65% | 3.70% | 3.70% | 3.75% |
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IRA CERTIFICATES |
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| $10,000 | $50,000 | |||
| Term | Rate | APY | Rate | APY |
| 6 month | 3.65% | 3.70% | 3.70% | 3.75% |
| 12 month | 3.65% | 3.70% | 3.70% | 3.75% |
| 24 month | 3.70% | 3.75% | 3.75% | 3.80% |
| 60 month | 3.89% | 3.95% | 3.94% | 4.00% |
APY = Annual Percentage Yield
* Rates are subject to change by the Board of Directors
** Any fees incurred could reduce the earnings on the account.
*** Penalties may be imposed for early withdrawal of certificates.
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