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Certificate Rates |
| 6 Months |
$500 |
$500 |
2.23% |
2.25% |
Monthly |
| 12 Months |
2.47% |
2.50% |
| 24 Months |
2.72% |
2.75% |
| 36 Months |
2.96% |
3.00% |
| 48 Months |
3.20% |
3.25% |
| 60 Months |
3.45% |
3.50% |
| 36-MONTH ONE-TIME BUMP UP CERTIFICATE |
$10,000.00 |
$10,000.00 |
3.20% |
3.25% |
Monthly |
To receive the 3.00% APY for 36 months, a minimum deposit of $10,000 is required. The 36-month One-time Bump Up Certificate allows you to exercise a one-time option to reset the rate on your certificate account. You can reset the rate to the rate offered on the regular term certificate equal to the remaining period on your certificate account, less 10 basis points. If the remaining term of your certificate falls between the terms of our regular certificate offerings, we will round to the closest regular term certificate based on the number of days elapsed. |
| 60-MONTH TWO-TIME BUMP UP CERTIFICATE |
$10,000.00 |
$10,000.00 |
3.69% |
3.75% |
Monthly |
To receive the 3.60% APY for 60 months, a minimum deposit of $10,000 is required. The 60-month One-time Bump Up Certificate allows you to exercise a two-time option to reset the rate on your certificate account. You can reset the rate to the rate offered on the regular term certificate equal to the remaining period on your certificate account, less 10 basis points. If the remaining term of your certificate falls between the terms of our regular certificate offerings, we will round to the closest regular term certificate based on the number of days elapsed. After the first reset, you can again reset to the rate offered for the term equal to the remaining period on your certificate account, less 10 basis points, using the same rounding methodology. |
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IRA
Certificates |
As of 5/16/2008
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| 12 Months |
$500 |
$500 |
2.47% |
2.50% |
Monthly |
| 24 Months |
2.72% |
2.75% |
| 36 Months |
2.96% |
3.00% |
| 48 Months |
3.20% |
3.25% |
| 60 Months |
3.45% |
3.50% |
| 36-MONTH ONE-TIME BUMP UP CERTIFICATE |
$10,000.00 |
$10,000.00 |
3.20% |
3.25% |
Monthly |
To receive the 3.00% APY for 36 months, a minimum deposit of $10,000 is required. The 36-month One-time Bump Up Certificate allows you to exercise a one-time option to reset the rate on your certificate account. You can reset the rate to the rate offered on the regular term certificate equal to the remaining period on your certificate account, less 10 basis points. If the remaining term of your certificate falls between the terms of our regular certificate offerings, we will round to the closest regular term certificate based on the number of days elapsed. |
| 60-MONTH TWO-TIME BUMP UP CERTIFICATE |
$10,000.00 |
$10,000.00 |
3.69% |
3.75% |
Monthly |
To receive the 3.60% APY for 60 months, a minimum deposit of $10,000 is required. The 60-month One-time Bump Up Certificate allows you to exercise a two-time option to reset the rate on your certificate account. You can reset the rate to the rate offered on the regular term certificate equal to the remaining period on your certificate account, less 10 basis points. If the remaining term of your certificate falls between the terms of our regular certificate offerings, we will round to the closest regular term certificate based on the number of days elapsed. After the first reset, you can again reset to the rate offered for the term equal to the remaining period on your certificate account, less 10 basis points, using the same rounding methodology. |
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Laddering Certificates (INCLUDING IRA & CESA)
(Minimum Investment is $50,000) |
As of
5/16/2008
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| 12 Months |
$10,000 |
$50,000 |
2.57% |
2.60% |
Monthly |
| 24 Months |
$10,000 |
2.81% |
2.85% |
| 36 Months |
$10,000 |
3.06% |
3.10% |
| 48 Months |
$10,000 |
3.30% |
3.35% |
| 60 Months |
$10,000 |
3.54% |
3.60% |
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| Dividends are earned from day of deposit to day of
withdrawal on full amount in the account at the end of each day.
Dividends compound monthly and are credited the first day of the following
month. Penalty for early withdrawal may be assessed and may reduce
earnings. To obtain
further information, call or write for a copy of the appropriate initial
account disclosure or click the "Disclosures" link below. |
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