Current Savings Rates

Effective Date: 08/01/10-08/31/10

Rates are generally approved at the monthly board meetings and are subject to change without notice. The approved rates are applied to the average balances at month-end as described in our Truth In Savings disclosure.

Share Savings
(Min Balance Requirement $5.00 )
Dividend on average daily balances of $500
0.10% APY*
Preferred Saving
APR
APY*

$10,000 - 24,999.99
0.25%
0.25%

$25,000 and over
0.50%
0.50%
Share Draft (checking)
No minimum balance
 
0.00% APY*
Money Market
APR
APY*

$2,500 to 19,999.99
0.10%
0.10%

$20,000 to 74,999.99
0.15%
0.15%

$75,000 and over
0.25%
0.25%
Smart Start Certificate
APR
APY*

$25 and over
1.35%
1.36%
Share Certificates
APR
APY*
6-11 MONTH
($1,000 and over)
0.35%
0.35%
12-23 MONTH
($1,000 and over)
0.55%
0.55%
24-35 MONTH
($1,000 and over)
1.25%
1.26%
36-47 MONTH
($1,000 and over)
2.05%
2.07%
48-59 MONTH
($1,000 and over)
2.45%
2.48%
60 MONTH
($1,000 and over)
2.75%
2.79%

$1000 minimum deposit of certificates
Penalty for early withdraw of a CD is 3 mos interest.

IRA Shares
 
0.15% APY*
$5,000 maximum contribution on IRA
Roth IRA Smart Start Certificate
APR
APY*

$25 and over
1.35%
1.359%
IRA Certificates
APR
APY*
24 MONTH
($1,000 and over)

1.25%
1.26%
48 MONTH
($1,000 and over)

2.45%
2.48%
60 MONTH
($1,000 and over)
2.75%
2.79%

minimum deposit of certificates

$5,000 maximum contribution on IRA minimum deposit of certificates

All rates disclosed above are done so by using the APR (Annual Percentage Rate) and APY* (Annual Percentage Yield).
All rates are subject to change without notice.
Please call (607) 547-5700 to verify that these rates are current.

 
   
   
   
 
 
 
   
 
 

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