|
|
|
Deposit Rates
|
Term Certificate, Checking, and Savings Rates ***
Effective Date June 29, 2009
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/SEP1**
|
|
Three Month
|
1.240%
|
1.25%
|
$500
|
1.740%
|
1.75%
|
|
Six Month
|
1.340%
|
1.35%
|
$500
|
1.830%
|
1.85%
|
|
Twelve Month
|
1.440%
|
1.45%
|
$500
|
1.930%
|
1.95%
|
|
Eighteen Month
|
1.640%
|
1.65%
|
$500
|
2.130%
|
2.15%
|
|
Two Year
|
2.030%
|
2.05%
|
$500
|
2.525%
|
2.55%
|
|
Thirty Month
|
2.030%
|
2.05%
|
$500
|
2.525%
|
2.55%
|
|
Three Year
|
2.030%
|
2.05%
|
$500
|
2.525%
|
2.55%
|
|
Four Year
|
2.030%
|
2.05%
|
$500
|
2.525%
|
2.55%
|
|
Five Year
|
2.030%
|
2.05%
|
$500
|
2.525%
|
2.55%
|
|
Four Month
|
1.390%
|
1.40%
|
$500
|
1.880%
|
1.90%
|
|
Nine Month
|
1.880%
|
1.90%
|
$500
|
2.375%
|
2.40%
|
|
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
|
|
Hero Checking^
|
0.050%
|
0.05%
|
$500
|
|
1st Place Checking1
|
1.490%
|
1.50%
|
$75,000+
|
|
1st Place Checking1
|
1.490%
|
1.50%
|
>$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
|
|
Hero Savings ^^
|
1.740%
|
1.75%
|
$3,000+
|
|
Hero Savings ^^
|
1.490%
|
1.50%
|
> = $1,000
|
|
Hero Savings ^^
|
1.000%
|
1.00%
|
> = $100
|
|
Elite Choice Money Market Savings1
|
1.640%
|
1.65%
|
> = $75,000
|
|
Elite Choice Money Market Savings1
|
1.390%
|
1.40%
|
> = $50,000
|
|
Elite Choice Money Market Savings1
|
1.140%
|
1.15%
|
> = $25,000
|
|
Elite Choice Money Market Savings1
|
1.000%
|
1.00%
|
> = $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 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.
|
|
HSA Accounts
|
|
HSA Checking1
|
2.470%
|
2.50%
|
No Minimum
|
|
1Must Have High Deductible Health Plan With Employer
|
|
|

|