| Deposit Interest Rates |
| As of November 30, 2012 |
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Now Checking
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APY* |
Interest
Rate |
Monthly compounding
$750.00 minimum to open |
0.03% |
0.03% |
These are variable rate products.
The rate may change after account is opened. |
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Super Now Checking
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Monthly compounding
$2,500.00 minimum to open |
APY* |
Interest
Rate |
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| Up to $2,499.99 |
0.03% |
0.03% |
| $2,500 and above |
0.05% |
0.05% |
These are variable rate products.
The rate may change after account is opened. |
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Statement Savings
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APY* |
Interest
Rate |
Semi-annually compounding
May 31st & Nov 30th
$50 minimum to open
$10 minimum to open (youth) |
0.05% |
0.05% |
These are variable rate products.
The rate may change after account is opened. |
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Health Savings Accounts
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APY* |
Interest
Rate |
Monthly compounding
No minimum to open |
0.03% |
0.03% |
These are variable rate products.
The rate may change after account is opened. |
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Money Market Savings
|
Monthly compounding
$2,500.00 minimum to open |
APY* |
Interest
Rate |
| Up to $2,499.99 |
0.05% |
0.05% |
| $2,500.00 - $24,999.00 |
0.10% |
0.10% |
| $25,000.00 - $49,999.99 |
0.15% |
0.15% |
| $50,000.00 and above |
0.30% |
0.30% |
These are variable rate products.
The rate may change after account is opened. |
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Community Advantage Money Market Savings
|
Monthly compounding
$5,000.00 minimum to open |
APY* |
Interest
Rate |
| Up to $4,999.99 |
0.10% |
0.10% |
| $5,000.00 - $24,999.99 |
0.15% |
0.15% |
| $25,000.00 - $49,999.99 |
0.20% |
0.20% |
| $50,000.00 and above |
0.45% |
0.45% |
These are variable rate products.
The rate may change after account is opened. |
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Certificates of Deposit
|
Semiannually compounding
$1,000.00 minimum to open |
APY* |
Interest
Rate |
| 182 Day |
0.10% |
0.10% |
| 12 Month |
0.20% |
0.20% |
| 13 Month |
0.35% |
0.35% |
| 18 Month |
0.35% |
0.35% |
24 Month
One time bump option per 24 month period |
0.45% |
0.45% |
| 30 Month |
0.50% |
0.50% |
| 48 Month |
0.90% |
0.90% |
| Substantial penalty for early withdrawal. |
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IRAs
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Quarterly Compounding
Opened for less than $1,000.00 will earn the regular savings rate
$1,000.00 or more, regular IRA rates apply |
APY* |
Interest
Rate |
| 12 Month |
0.20% |
0.20% |
| 30 Month |
0.50% |
0.50% |
| 48 Month |
0.90% |
0.90% |
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| *APY = Annual Percentage Yield |
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| APY Assumes interest remains on deposit for one full year. |
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| New York Prime rate as of 12/16/08 is 3.25% |
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| Applicable fees may reduce earnings |
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Rates as of November 30, 2012
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