Deposit Rates

 Term Certificate, IRA, Checking, and Savings Rates ***
Effective Date July 26, 2010
Rates Subject to Change Without Notice

ACCOUNT

DIVIDEND RATE

APY*

MIN BAL TO EARN APY

Relationship Premium^ Rate

Relationship Premium^ APY*

Term Certificates & Individual Retirement Accounts - IRA/SEP^1**

Three Months

0.550%

0.55%

$500

1.045%

1.05%

Six Months

0.750%

0.75%

$500

  1.240%   

1.25%

Twelve Months

0.950%

0.95%

$500

1.440%

1.45%

Two Years

1.490%

1.50%

$500

1.980%

2.00%

Thirty Months

1.490%

1.50%

$500

1.980%

2.00%

Three Years

1.880%

1.90%

$500

2.375%

2.40%

Four Years

1.880%

1.90%

$500

2.375%

2.40%

Five Years

2.030%

2.05%

$500

2.525%

2.55%

Look Closer

1.240%

1.25%

$500

1.740%

1.75%

¹If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only).

^ Relationship Premium Rates Apply to Term Certificates and IRAs only. 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%, Checking without Direct Deposit (open for at least one year) earns an extra 0.15% over our standard rates.

There are no annual maintenance fees on IRA accounts.   

*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.

Checking

Now Checking

0.050%

.05%

$500

Select Checking

0.050%

.05%

$5,000.00 in combined deposit accounts

Direct Bonus Checking**

0.050%

0.05%

$500

Champion Checking^

0.050%

0.05%

$500

Hero Checking^

0.050%

0.05%

$500

1st Place Checking¹

1.000%

1.00%

$75,000+

1st Place Checking¹

1.000%

1.00%

>=$50,000

1st Place Checking¹

0.500%

0.50%

>=$25,000

1st Place Checking¹

0.250%

0.25%

>=$15,000

1st Place Checking¹

0.050%

0.05%

>=$2,500

1st Place Checking¹

0.050%

0.05%

<$2,500

** 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, 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.

Savings

Regular Savings

0.250%

0.25%

$100

Christmas/Vacation Club

0.250%

0.25%

$5

Champion Savings^^

1.490%

1.50%

$3,000+

Champion Savings^^

1.390%

1.40%

> = $1,000

Champion Savings^^

1.000%

1.00%

> = $100

Hero Savings ^^

1.490%

1.50%

$3,000+

Hero Savings ^^

1.390%

1.40%

> = $1,000

Hero Savings ^^

1.000%

1.00%

> = $100

Elite Choice Money Market Savings¹

1.390%

1.40%

> = $75,000

Elite Choice Money Market Savings¹

1.140%

1.15%

> = $50,000

Elite Choice Money Market Savings¹

0.900%

0.90%

> = $25,000

Elite Choice Money Market Savings¹

0.850%

0.85%

> = $10,000

Elite Choice Money Market Savings¹

0.500%

0.50%

> = $2,500

Elite Choice Money Market Savings¹

0.050%

0.05%

< $2,500

^^Must have Hero/Champion Checking to be eligible for Hero/Champion 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.

HSA Accounts

HSA Checking¹

2.470%

2.50%

No Minimum

¹Must Have High Deductible Health Plan With Employer