| Product |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit |
| Regular Passbook Savings |
.20 |
.20 |
5.00 |
| Direct DepositSavings |
.30 |
.30 |
5.00 |
| Savings Plus: |
|
|
|
| Tier I - $7,499.99 or less |
.350 |
.350 |
7,500.00 |
| Tier 2 - $7,500.00 or more |
.450 |
.450 |
7,500.00 |
Certificates of Deposit Rates effective as of 3/04/2010 |
| Term |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit |
| 91 Day |
.499 |
.50 |
500.00 |
| 182 Day |
.848 |
.85 |
500.00 |
| 12 Month |
1.145 |
1.15 |
500.00 |
| 18 Month |
1.195 |
1.20 |
500.00 |
| 20 Month |
n/a |
n/a |
500.00 |
| 24 Month |
1..294 |
1.30 |
500.00 |
| 30 Month |
1.393 |
1.40 |
500.00 |
| 36 Month |
1.590 |
1.60 |
500.00 |
| 48 Month |
1.690 |
1.70 |
500.00 |
| 60 Month |
1.985 |
2.00 |
500.00 |
|
Checking Account Rates Rates effective as of 3/04/2010
|
| Product |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit |
| Direct Deposit |
.15 |
.15 |
1.00 |
| Now Account |
0.15 |
0.150 |
1000.00 |
| Super Now Account: |
|
|
|
| Tier 1 - $2,499.99 and less |
.150 |
.150 |
2500.00 |
| Tier 2 - $2,500.00 and more |
.300 |
.300 |
2500.00 |
| Money Market Plus: |
|
|
|
| Tier 1 - $1,000.00 |
0.25 |
0.25 |
1000.00 |
| Tier 2 - $1,000.00 to $9,999.99 |
0.35 |
0.35 |
1000.00 |
| Tier 3 - $10,000.00 to $49,999.99 |
.50 |
.50 |
1000.00 |
| Tier 4 - $50,000.00 and more |
.75 |
.750 |
1000.00 |
| Tier 5 - $100,000 and over |
1.045 |
1.05 |
100,000.00 |
IRA Rates Rates effective as of 3/04/2010
|
| Product |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit |
| 12 Month Fixed |
1.245 |
1.25 |
500.00 |
| 18 Month Variable |
1.245 |
1.25 |
10.00 |
| 18 Month Fixed |
1.294 |
1.30 |
500.00 |
| 24 Month Fixed |
1.393 |
1.40 |
500.00 |
| 30 Month Fixed |
1.490 |
1.50 |
500.00 |
| 36 Month Fixed |
1.690 |
1.70 |
500.00 |
| 48 Month Fixed |
1.837 |
1.85 |
500.00 |
| 60 Month Fixed |
2.232 |
2.25 |
500.00 |
| Product |
Rate |
Annual Percentage Rate |
Points/Fees |
Terms |
Margin |
Comments |
| 1 Year ARM |
4.500% |
3.037% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 1 year Treasury |
| 3 Year ARM |
5.000% |
4.272% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 3 year Treasury |
| 3 yr / 1 yr ARM |
4.750% |
3.060% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 3 year Treasury |
| 5 Year ARM |
5.250% |
5.058% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 5 year Treasury |
| 5 yr / 1 yr |
4.875% |
3.076% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 5 year Treasury |
| 7 yr / 1 yr |
5.250% |
3.175% |
Flood Cert. $22.00 Underwriting Fee $150.00 Processing Fee $175.00 |
up to 30 Years |
2.50 |
Adjustments based on 5 year Treasury |
Fixed Rate Mortgage Loan Rates
|
| Product |
Rate |
Annual Percentage Rate |
Points/Fees |
Terms |
Margin |
Comments |
| 15 Year Fixed |
4.500% |
4.573% |
Flood Cert. $22.00 Underwriting Fee $150.00 |
15 Years |
N/A |
|
| |
|
|
Processing Fee $175.00 |
|
|
|
| 20 Year Fixed |
5.000% |
5.059% |
Flood Cert. $22.00 Underwriting Fee $150.00 |
20 Years |
N/A |
|
| |
|
|
Processing Fee $175.00 |
|
|
|
| 30 Year Fixed |
5.125% |
5.168% |
Flood Cert. $22.00 Underwriting Fee $150.00 |
30 Years |
N/A |
|
| |
|
|
Processing Fee $175.00 |
|
|
|