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Deposit Rates
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Term Certificate, Checking, and Savings Rates ***
Effective Date November 17, 2008
Rates Subject to Change Without Notice
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ACCOUNT
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DIVIDEND RATE
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APY*
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MIN. BAL TO EARN APY
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Term Certificates/Individual Retirement Accounts - IRA/SEP 1**
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Three Month
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2.325%
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2.35%
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$500
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Six Month
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2.425%
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2.45%
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$500
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| Twelve Month |
3.445%
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3.50%
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$500
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| Eighteen Month |
3.930%
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4.00%
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$500
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Two Year
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3.930%
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4.00%
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$500
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Thirty Month
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3.930%
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4.00%
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$500
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Three Year
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3.930%
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4.00%
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$500
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Four Year
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3.930%
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4.00%
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$500
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Five Year
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3.930%
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4.00%
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$500
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Seven Month
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3.200%
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3.25%
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$500
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Thirteen Month*^*^
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3.690%
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3.75%
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$500
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1If you are 59 1/2 or older, you may change the term of your certificate once in a 12 month period (IRAs Only).
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Relationship Premium Rates (Includes CDs and IRAs)^^**
RATES AS HIGH AS.....^^
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Three Month
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2.815%
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2.85%
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$500
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Six Month
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2.910%
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2.95%
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$500
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Twelve Month
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3.930%
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4.00%
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$500
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| Eighteen Month |
4.410%
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4.50%
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$500
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Two Year
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4.410%
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4.50%
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$500
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Thirty Month
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4.410%
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4.50%
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$500
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Three Year
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4.410%
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4.50%
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$500
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Four Year
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4.410%
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4.50%
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$500
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Five Year
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4.410%
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4.50%
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$500
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Seven Month
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3.690%
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3.75%
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$500
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Thirteen Month*^*^
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4.170%
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4.25%
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$500
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^^Relationship Premium Rates Apply to Term Certificates Only
(Includes IRAs)
Receive a higher dividend based on your total relationship:
Checking with Direct Deposit earns an extra 0.25%, A Mortgage
Product earns an extra 0.10%, A Consumer Loan earns an
extra 0.15% or Checking without Direct Deposit (open for
at least one year) earns an extra 0.15% over our standard
rates.
*^*^ Requires $2500.00 of new money or a checking account with direct deposit,
also requires a relationship as stated in ^^ to receive the relationship premium rate.
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*Annual Percentage Yield
**Penalty may be imposed for early withdrawal. Fees could reduce earnings on account.
***Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government.
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Checking
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Now Checking
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0.050%
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.05%
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$500
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Select Checking
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0.050%
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.05%
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$5,000.00 in combined deposit accounts
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Direct Bonus Checking**
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0.050%
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0.05%
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$500
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Hero Checking^
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0.050%
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0.05%
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$500
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1st Place Checking1
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1.490%
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1.50%
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+$75,000
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1st Place Checking1
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1.490%
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1.50%
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>$50,000
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1st Place Checking1
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0.500%
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0.50%
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>$25,000
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1st Place Checking1
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0.250%
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0.25%
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>$15,000
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1st Place Checking1
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0.050%
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0.05%
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>$2,500
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1st Place Checking1
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0.050%
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0.05%
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>$2,500
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** The amount of your Bonus Payment is 1.00% of your direct deposit amount, which will be capped at $10.00 each month. You must also maintain the daily minimum balance in your statement savings account to receive this Bonus Payment.
^ Free ATMs, checks, Visa Check Card, ODP, eStatements, On-Line Banking & Bill Pay. Bonus Dividend of 1.00% of your direct deposit amount, capped at $10 each month w/$100 Savings Account.
1APY reverts to .05% when balance goes below minimum balance.
Minimum opening balance for 1st Place Checking is $15,000.
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Savings
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Regular Savings
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0.250%
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0.25%
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$100
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Christmas/Vacation Club
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0.250%
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0.25%
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$5
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Hero Savings ^^
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2.470%
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2.50%
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+ = $3,000
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Hero Savings ^^
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1.980%
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2.00%
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> = $1,000
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Hero Savings ^^
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1.000%
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1.00%
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> = $100
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Elite Choice Money Market Savings1
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2.960%
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3.00%
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> = $75,000
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Elite Choice Money Market Savings1
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2.715%
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2.75%
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> = $50,000
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Elite Choice Money Market Savings1
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2.470%
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2.50%
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> = $25,000
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Elite Choice Money Market Savings1
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2.225%
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2.25%
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> = $10,000
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Elite Choice Money Market Savings1
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1.980%
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2.00%
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> = $2,500
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Elite Choice Money Market Savings1
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0.050%
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0.05%
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< $2,500
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^^Must have Hero Checking to be eligible for Hero Savings.
1Minimum opening balance for Elite Choice Money Market is $2,500. To be eligible to open an Elite Choice Money Market Savings, you must have a Checking account with direct deposit. If your direct deposit is not established within 60 days, we may reduce your dividend and APY on your Elite Choice Money Market Savings.
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HSA Accounts
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HSA Checking1
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2.960%
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3.00%
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No Minimum
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1Must Have High Deductible Health Plan With Employer
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