Rates

Savings

These rates are in effect as of Sunday, February 1, 2015.

Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Share Accounts
$5.00$50,000.00 - and over0.30%0.30%
$5.00$4,000.00 - 49,999.990.15%0.15%
$5.00$1,000.00 - 3,999.990.10%0.10%
$5.00$500.00 - 999.990.05%0.05%
Smart Apple Savers/Future Investors Club
$10.00-0.20%0.20%
Holiday/Vacation Club
$5.00-0.10%0.10%
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These are variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings.

The APY is accurate as of the last dividend declaration date.
Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Money Market Rates
$2,500$50,000 - and over0.30%0.30%
$2,500$25,000 - $49,9990.20%0.20%
$2,500$10,000 - $24,9990.20%0.20%
$2,500*$2,500 - $9,9990.15%0.15%
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The APY is accurate as of the last dividend declaration date.

These are variable rate accounts and the rate may change after the account is opened.

Fees and other conditions could reduce earnings.

*Should your average monthly balance go below $2,500, a $5 fee will be charged to the account but you will continue to earn the rate in effect for this tier.
AccountMinimum Opening DepositMinimum BalanceTerm (months)Annual Percentage YieldDividend Rate
CD and IRA Rates
3-Month Share Certificate$500$50030.20%0.20%
6-Month Share Certificate$500$50060.30%0.30%
9-Month Share Certificate$500$50090.40%0.40%
12-Month Share Certificate$500$500120.45%0.45%
24-Month Share Certificate$500$500240.70%0.70%
30-Month Share Certificate$500$500300.80%0.80%
36-Month Share Certificate$500$500360.90%0.90%
Deposit Plus Share Certificate$250$250180.50%0.50%
Secured Visa Share Certificate$300$300180.50%0.50%
IRA 03-Month Share Certificate$500$50030.20%0.20%
IRA 06-Month Share Certificate$500$50060.30%0.30%
IRA 09-Month Share Certificate$500$50090.40%0.40%
IRA 12-Month Share Certificate$500$500120.45%0.45%
IRA 18-Month Share Certificate$100$100180.50%0.50%
IRA 24-Month Share Certificate$500$500240.70%0.70%
IRA 30-Month Share Certificate$500$500300.80%0.80%
IRA 36-Month Share Certificate$500$500360.90%0.90%
The APY is accurate as of Sunday, February 1, 2015.

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.
The APY is accurate as of Sunday, February 1, 2015.

These rates are in effect as of Sunday, February 1, 2015.
Rates and terms are subject to change without notice.

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Routing Transit Number: 226078036