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Deposit Rates

CD Special

Effective Date: Sunday, June 16, 2019

CD Special

Program Term APY*

CD Special

15 Months1.95%

Open an Account - CD Special - 16 Months

CD Special

8 Months2.20%

Open an Account - CD Special - 9 Months

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. See Disclosure Statement for more information. This product is not eligible for an IRA.



ADD-ON CD Special

Effective Date: Sunday, June 16, 2019

ADD-ON CD Special

Program Term APY*

ADD-ON CD Special

21 Months1.75%

Open an Account - Add-On CD Special

ADD-ON Retirement CD Special

21 Months1.75%

Open an Account - Add-On Retirement CD Special

* 2.40% Annual Percentage Yield (APY) fixed for thirty-two month term effective as of June 28, 2018. $1,000 minimum to open. May add to CD in increments of $500 or more at any time, as many times as desired during the first twelve months of the CD term. Penalty for early withdrawal equivalent to six months interest. Fees could reduce earnings. At maturity, account will automatically renew to a 12-month CD at the then current APY. Offer is subject to change without notice.


CDs

Effective Date: Sunday, June 16, 2019

CDs

Programs Term APY*

CDs*

3 Months 0.25%

Open an Account - CD - 3 Months

6 Months 0.30%

Open an Account - CD - 6 Months

12 Months 0.45%

Open an Account - CD - 12 Months

18 Months 1.85%
24 Months 0.77%
30 Months 0.92%
36 Months 1.03%
48 Months 1.30%
60 Months 1.40%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously. For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.


Fixed Rate IRA Special

Effective Date: Sunday, June 16, 2019

Fixed Rate IRA Special

ProgramTermAPY*

Fixed Rate IRA Special

15 Months1.95%

How To Open - Fixed Rate IRA

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings on the account. Interest is compounded continuously and the minimum balance to open the account and obtain the APY is $100.00


IRAs

Effective Date: Sunday, June 16, 2019

IRAs

Programs Term APY*

Fixed Rate IRAs

12 Months 0.45%

How To Open - Fixed Rate IRAs

18 Months 1.85%
24 Months 0.77%
30 Months0.92%
36 Months 1.03%
48 Months1.30%
60 Months 1.40%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously.


Checking, Savings & Money Market Accounts

Effective Date: Sunday, June 16, 2019

Checking, Savings & Money Market Accounts

ProgramMinimum Daily Balance to earn APYInterest Rate APY*

NOW Checking Account

$25.00 0.05%0.05% How To Open - NOW Checking Account
Money Market Account$25.000.05%0.05%Open an Account - Money Market
$2,500.000.15% 0.15%

Statement Savings

$25.00 0.10% 0.10% Open an Account - Statement Savings
Passbook Savings$25.00 0.10% 0.10% How To Open - Passbook Savings

Student Savings

$1.00 0.10% 0.10%How To Open - Student Savings
Holiday$1.000.10%0.10%How To Open - Holiday

Variable Rate IRA

$100.000.15%0.15% How To Open - Variable Rate IRA

Club Accounts

$1.000.10%0.10%How To Open - Club Accounts

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts and Student Savings).  For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.


Preferred Savings

Effective Date: Sunday, June 16, 2019

Preferred Savings

Program Minimum Daily Balance to earn APY APY*

Preferred Savings Account*

$25 0.10%

Open an Account - Preferred Savings

$5,000 0.10%
$15,000 0.20%
$30,000 0.25%
$45,0000.30%

*For Preferred Savings Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account.


Preferred Money Market

Effective Date: Sunday, June 16, 2019

Preferred Money Market

ProgramMinimum Daily Balance to earn APY APY*
Preferred Money Market$25 0.10%

How To Open - Preferred Money Market

$10,0000.10%
$25,000 0.15%
$50,0000.20%
$100,000 0.25%

*The minimum daily balance required to earn the stated Rate and Annual Percentage Yield (APY) on the Money Market Account is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.<


Premium Money Market

Effective Date: Sunday, June 16, 2019

Premium Money Market

Program Minimum Daily Balance to earn APY APY

Premium Money Market

$250.10%

How To Open - Premium Money Market

$100,000 0.15%
$250,000 0.25%
$500,000 1.00%

*For Premium Money Market Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.