 |
|
 |
Annual Percentage Yield is accurate
as of April 25, 2013. Rates and other terms may change
at any time without prior notice. A penalty is imposed
for early withdrawal. Fees could reduce earnings on the
account. |
| Account Type |
Dividend Rate |
Annual
Percentage
Yield |
| Share Accounts |
Regular Share Account |
0.20% |
0.20% |
Special Savings (Monthly) |
0.20% |
0.20% |
Christmas Club (Monthly) |
0.20% |
0.20% |
| |
| Share Draft Accounts |
Supersaver |
0.10% |
0.10% |
Student |
0.10% |
0.10% |
| |
| Prestige Draft Accounts |
$500 - $2,499 |
0.10% |
0.10% |
$2,500 - $14,999 |
0.15% |
0.15% |
$15,000 - HIGHER |
0.399% |
0.40% |
| |
| IRA Savings |
(Regular, Roth & Educational) |
0.449% |
0.45% |
| |
| Life Savings |
| |
0.20% |
0.20% |
| |
| Money Market (First Fund) |
$0 - $2,499.99 |
0.10% |
0.10% |
$2,500 - $4,999.99 |
0.10% |
0.10% |
$5,000 - $19,999.99 |
0.10% |
0.10% |
$20,000 - $49,999.99 |
0.20% |
0.20% |
$50,000 - $99,999.99 |
0.349% |
0.35% |
$100,000 and plus |
0.499% |
0.50% |
* APY = Annual Percentage Yield
All rates are subject to change without notice. Penalty for early withdrawal. Fees could reduce earnings. |
| |
Share Certificates "Jump Up" Special: All Share Certificates with terms of 24 months or more entitles the holder to raise the interest rate to a higher stated rate one time during the term of the Share Certificates*. The "Jump Up" Special does not apply to special term certificates or jumbo certificates.
|
| IRA Term Share Certificate |
| Term |
Minimum |
Rate |
APY |
6 months |
$1,000 |
0.35% |
0.35% |
1 year |
$1,000 |
0.549% |
0.55% |
|
|
|
|
2 years |
$1,000 |
0.748% |
0.75% |
3 years |
$1,000 |
1.145% |
1.15% |
4 years |
$1,000 |
1.393% |
1.40% |
* APY = Annual Percentage Yield
All rates are subject to change without notice. Penalty for early withdrawal. Fees could reduce earnings. Non-renewable share certificate |
|
| |
| Term Share Certificate |
| Term |
Minimum |
Rate |
APY |
6 months |
$1,000 |
0.35% |
0.35% |
1 year |
$1,000 |
0.549% |
0.55% |
|
|
|
|
2 years |
$1,000 |
0.748% |
0.75% |
3 years |
$1,000 |
1.145% |
1.15% |
4 years |
$1,000 |
1.393% |
1.40% |
* APY = Annual Percentage Yield
All rates are subject to change without notice. Penalty for early withdrawal. Fees could reduce earnings. Non-renewable share certificate |
|
| |
Regular Shares
Minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December. |
Special Savings
Special Savings Accounts are those called Special Savings, Vacation, Christmas, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month |
Money Market (First Fund)
Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. |
Disclosure- Regular Share and Special Savings Accounts allow five (5) free withdrawals per month. A $2.00 fee will be charged for each withdrawl over five (5). First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item. |
|
|
|
 |
|
