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Current Specials

Rates effective as of January 14, 2013
Penalty for early withdrawal.
Not automatically renewable.
CD minimum opening deposit: $1,000.

* APY = Annual Percentage Yield

Certificates of Deposit

Rates effective as of January 14, 2013.
Penalty for early withdrawal.
CD minimum opening deposit: $1,000.

Account Type  Interest Rate  APY*  
3 Month  
0.25%  0.25%  
6 Month  
0.30%  0.30%  
1 Year  
0.45%  0.45%  
2 Year  
0.65%  0.65%  
3 Year  
1.00%  1.00%  
4 Year  
1.15%  1.15%  
5 Year  
1.35%  1.35%  

* APY = Annual Percentage Yield

Checking

Rates effective as of January 14, 2013.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
NOW Account minimum opening deposit: $750.
Elite VIP minimum opening deposit: $1,000.

Account Type  Interest Rate  APY*  
NOW  
0.15%  0.15%  
Elite VIP  
0.25%  0.25%  

* APY = Annual Percentage Yield

Money Market

Rates effective as of January 14, 2013.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
Money Market minimum opening deposit: $2,500.

Account Balance  Interest Rate  APY*  
Up to $10,000  
0.20%  0.20%  
$10,000 to $25,000  
0.25%  0.25%  
$25,000 or more  
0.30%  0.30%  

* APY = Annual Percentage Yield

Savings

Rates effective as of January 14, 2013.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
Passbook Savings Account minimum opening deposit: $100.
Kids Klub Savings Account minimum opening deposit: $1.

Account Type  Interest Rate  APY*  
Passbook Savings Account  
0.25%  0.25%  
Kid's Klub Savings Account  
0.25%  0.25%  

* APY = Annual Percentage Yield

Individual Retirement Account

Rates effective as of January 14, 2013.
Penalty for early withdrawal.
IRA minimum opening deposit: $50.

Account Type  Interest Rate  APY*  
IRA-1 Year
0.65%  0.65%  

* APY = Annual Percentage Yield