Certificate of Deposit*
Deposit Rates
Annual Percentage Yields And Interest Rates Are Effective:
| Certificate Term | Minimum Balance To Obtain APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 91 Day | $2,500 | .75 | .75 |
| 182 Day | $2,500 | 4.00 | 4.04 |
| 12 Month | $1,000 | 3.90 | 3.94 |
| 18 Month | $1,000 | 2.75 | 2.77 |
| 24 Month | $1,000 | 3.00 | 3.02 |
| 30 Month | $1,000 | 3.10 | 3.12 |
| 48 Month | $1,000 | 3.25 | 3.28 |
| 60 Month | $1,000 | 3.50 | 3.53 |
*Substantial penalty for early withdrawal
Deposit Accounts
| DDA Accounts | Minimum Balance To Avoid Service Charge | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| NOW Account | $1,000 -or- Average of $2,000 | .20% | .20% |
| Money Market Account | $2,500 | .30% | .30% |
| Passbook Savings | N/A | .25% | .25% |