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Share Rates
Annual Percentage Yield is accurate as of December 18, 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
0.200% 0.20%
 
IRA Savings
(Regular, Roth & Educational)
0.449% 0.45%
 
Life Savings
  0.20% 0.20%
 
Money Market (First Fund)
$0 - $2,499.99
0.100% 0.10%
$2,500 - $24,999.99
0.300% 0.30%
$25,000 - $49,999.99
0.349% 0.35%
$50,000 - $99,999.99
0.399% 0.40%
$100,000 and plus
0.449% 0.45%
* 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 four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawl over four (4). 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.