Deposit Rates

Share Certificate Special
Effective Date: Thursday, April 24th, 2014
TermMinimum
Amount
Interest
Rate
APY*

Spring Certificate and IRA Special

25 Months $500 0.698% 0.70%
46 Months $500 1.440% 1.45%

Premier & IRA Certificates - $50,000 Minimum
Effective Date: Thursday, April 24th, 2014
TermInterest
Rate
APY*
60 Months 1.145% 1.15%
48-59 Months 0.947% 0.95%
36-47 Months 0.798% 0.80%
24-35 Months 0.599% 0.60%
18-23 Months 0.499% 0.50%
12-17 Months 0.399% 0.40%
6-11 Months 0.250% 0.25%
3-5 Months 0.250% 0.25%

Premier & IRA Certificates - $100,000 Minimum
Effective Date: Thursday, April 24th, 2014
TermInterest
Rate
APY*
60 Months 1.244% 1.25%
48-59 Months 1.046% 1.05%
36-47 Months 0.897% 0.90%
24-35 Months 0.698% 0.70%
18-23 Months 0.599% 0.60%
12-17 Months 0.499% 0.50%
6-11 Months 0.350% 0.35%
3-5 Months 0.350% 0.35%

Share & IRA Certificates - $500 Minimum
Effective Date: Thursday, April 24th, 2014
TermInterest
Rate
APY*
60 Months 0.996% 1.00%
48-59 Months 0.798% 0.80%
36-47 Months 0.648% 0.65%
24-35 Months 0.449% 0.45%
18-23 Months 0.350% 0.35%
12-17 Months 0.250% 0.25%
6-11 Months 0.100% 0.10%
3-5 Months 0.100% 0.10%

5 Year Ladder Certificate
Effective Date: Thursday, April 24th, 2014
Product Information
Ladder Certificate - 5 year certificate term built into 5 certificates 1-5 year terms at regular Share Certificate rates. Each maturing certificate automatically renews into a 5 year certificate or has option to redeem. Minimum balance $2,500

Memberís Advantage Money Market
Effective Date: Thursday, April 24th, 2014
Minimum
Amount
Interest
Rate
APY*
Member's Advantage Money Market Tiered Account. This tiered account gives you the great advantage of rates automatically going up as your balance increases.
$1,000 0.050% 0.05%
$10,000 0.100% 0.10%
$25,000 0.150% 0.15%
$50,000 0.200% 0.20%
$100,000 0.250% 0.25%
$350,000 0.349% 0.35%

Health Savings Account (HSA) and IRA Money Market Account
Effective Date: Thursday, April 24th, 2014
Minimum
Amount
Interest
Rate
APY*
$250 0.050% 0.05%
$1,000 0.050% 0.05%
$10,000 0.100% 0.10%
$25,000 0.150% 0.15%

Share Savings Accounts
Effective Date: Thursday, April 24th, 2014
Account TypeInterest
Rate
APY*
Membership Savings (for balances $300 or more) 0.050% 0.05%
Achiever Savings 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings 0.050% 0.05%

Share Draft Accounts (Checking)
Effective Date: Thursday, April 24th, 2014
Account TypeMinimum
Amount
Interest
Rate
APY*

Interest Plus Checking

Base Rate $0 0.050% 0.05%
Reward Rate $0 1.193% 1.20%

   TOTAL Rate*

$0 1.243% 1.25%
Base Rate Over $25,000 0.050% 0.05%
Reward Rate Over $25,000 0.050% 0.05%

   TOTAL Rate*

Over $25,000 0.100% 0.10%

*To receive the TOTAL Rate and ATM refunds, you must meet these 3 easy monthly requirements: 1) 10 cleared signature (swipe and sign, Non-PIN) debit card transactions which must post to your account by 6:00 PM EST on the last business day of the month; 2) one direct deposit or electronic auto payment (ACH); 3) active enrollment in e-statements.  If monthly requirements are not met, you will not receive the TOTAL APY and no ATM fees will be refunded for that month, you will receive the base rate of 0.05%.

Platinum Plus Checking

$1,000 0.050% 0.05%
  $10,000 0.050% 0.05%
  $25,000 0.100% 0.10%
  $50,000 0.100% 0.10%
  $100,000 0.150% 0.15%

Young Investor Certificate
Effective Date: Thursday, April 24th, 2014
TermInterest
Rate
APY*
12 Months 0.250% 0.25%
6 to 11 Months 0.100% 0.10%
3 to 5 Months 0.100% 0.10%
$500 minimum deposit. May add a $50 or more contribution at any time. Must be under 21 years old to qualify.

Business Growth Checking
Effective Date: Thursday, April 24th, 2014
Minimum
Amount
Interest
Rate
APY*
$0 - $9,999 0.000% 0.00%
$10,000 - $24,999 0.050% 0.05%
$25,000 - $49,999 0.100% 0.10%
$50,000 - $99,999 0.100% 0.10%
$100,000 and Above 0.150% 0.15%

Business Members Advantage Money Market
Effective Date: Thursday, April 24th, 2014
Minimum
Amount
Interest
Rate
APY*
$1,000 - $9,999 0.050% 0.05%
$10,000 - $24,999 0.100% 0.10%
$25,000 - $49,999 0.150% 0.15%
$50,000 - $99,999 0.200% 0.20%
$100,000 - $349,999 0.250% 0.25%
$350,000 and Above 0.349% 0.35%

Business Membership Savings
Effective Date: Thursday, April 24th, 2014
Minimum
Amount
Interest
Rate
APY*
$0 - $299 0.000% 0.00%
$300 and Above 0.050% 0.05%

Rates are subject to change without notice. Penalties may apply for early withdrawals. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – NCUA (National Credit Union Administration, a U.S. Government Agency).
*APY = Annual Percentage Yield

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.