|
SHARE
ACCOUNT RATES
|
|
Effective
date: 05/19/2004
|
| |
| Regular
Shares Rate |
.75%
|
.75% APY
|
| Club
Shares Rate |
.75%
|
.75% APY
|
| IRA
Rate |
1.75%
|
1.76% APY |
| To
open a share account, a $25.00 deposit is required. Dividends
are earned on entire balance. |
|
|
|
CERTIFICATE
OF DEPOSIT RATES
|
|
Effective
date: 09/01/05 through 09/06/05
|
| |
|
TERM
|
Rate
|
APY
|
|
6
month
|
3.16%
|
3.20%
|
|
12
month
|
3.06%
|
3.10%
|
|
18
month
|
3.16%
|
3.20%
|
|
24
month
|
3.25%
|
3.30%
|
|
36
month
|
3.54%
|
3.60%
|
|
60
month
|
4.41%
|
4.50%
|
|
|
| $1000.00 minimum deposit to open a share certificate.
The penalty imposed for withdrawal of certificate funds prior to maturity are as
follows: If withdrawal occurs within 90 days after date of issuance, there is a
forfeiture of earned dividends plus forfeiture of principal equal to 90 days
dividends. Withdrawal after 90 days of issuance the forfeiture is equal to the
smaller of dividends since date of issuance or 180 days dividends at contracted
rate. |
|
HOME
MORTGAGE RATES
|
|
Effective
date: 09/01/05 through 09/06/05
|
|
|
|
TERM
|
Rate |
|
30
year fixed
|
6.05% |
|
|
5.45% |
|
15
year fixed
|
5.60%
|
|
15
year variable
|
5.05%
|
APY
means annual percentage yield
|
|
|
