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General Account Information
Annual Percentage Yield
All rates listed are Annual Percentage Yields (APY). The APYs do not take into account the effort of fees, if any on these accounts. Member must complete deposit of $25 in your regular share account as a condition of membership. Dividends are paid from current income and available earnings, after required reserve transfers at the end of the dividend period.
A 90-day dividend early withdrawal penalty will be imposed for early withdrawal. Once purchased the rate of the certificate account shall remain fixed for the specified term of the certificate. Dividends are calculated by the daily balance method which applies a periodic rate to the daily balance in the account for the period. Dividends are paid quarterly. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Share and Club Accounts
The APY listed is a prospective APY. Dividends are compounded and credited quarterly.
Variable Rate Accounts
Rates adjusted and paid quarterly on the average daily balance. $25 minimum balance required for share savings accounts.
A full disclosure is available upon request.