RatesDeposit RatesSavings RatesRates effective January 1, 2012Money Market RatesRates effective January 1, 2012| Account Type | Min. Balance | Dividend Rate | APY * | Notes | | | Members Choice Money Market (1) | $75,000 | .80% | .80% | With Active Checking | | | | | | $75,000 | .40% | .40% | Without Active Checking | | | | | Ultimate Money Market (2) | $15,000 | .50% | .50% | | | | | | Affordable Money Market (3) | $7,500 | .30% | .30% | | | | | | First Choice Money Market Savings | $10,000 | .30% | .30% | | | | | (1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.30%, and incur a $15 monthly service charge.
(4) Minimum combined loan and/or deposit balance required to open and maintain account.
APY * = Annual Percentage Yield
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Checking RatesRates effective January 1, 2012Corporate CheckingRates effective January 1, 2011| Account Type | Min. Balance | Dividend Rate | APY * | | | Tier 1 | $2,500 | .05% | .05% | | | | | Tier 2 | $25,000 | .20% | .20% | | | | | Tier 3 | $50,000 | .30% | .30% | | | | APY * = Annual Percentage Yield
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CertificatesRates effective January 1, 2012IRA (Traditional, Roth or Coverdell Education Savings Account)Rates effective October 16, 2011| Account Type | Min. Balance | Dividend Rate | APY * | | | 15 Month IRA Certificate Special | $4,000 | 1.19% | 1.20% | | | | | 1 Year | $1,000 | 1.00% | 1.00% | | | | | 18 Month | $1,000 | 1.24% | 1.25% | | | | | 2 Year | $1,000 | 1.34% | 1.35% | | | | | 3 Year | $1,000 | 1.49% | 1.50% | | | | | 5 Year | $1,000 | 1.84% | 1.85% | | | | | Accumulator IRA (Traditional & Roth Only) | None | .35% | .35% | | | | | Coverdell Education Savings Account | None | .35% | .35% | | | | | Members Choice Money Market(1)(With Active Checking) | $75,000 | .80% | .80% | | | | | Member’s Choice Money Market(1) (Without Checking Account) | $75,000 | .40% | .40% | | | | | Ultimate IRA Money Market (2) | $15,000 | .50% | .50% | | | | | Affordable IRA Money Market (3) | $7,500 | .30% | .30% | | | | (1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.30%, and incur a $15 monthly service charge.
APY * = Annual Percentage Yield
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CD/IRA Rate SpecialsRates effective October 31, 2011
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