Current Savings Rates

Rates current as of November 1, 2013.

Savings Accounts
Minimum
Balance
Service
Charges
% APY*
Dividend
Paid
Share (savings) Account
$25.00
NONE
.10%
Monthly

Share Draft (checking) Account

No minimum balance, no monthly service charges, no limit on the number of checks you can write, FIFTY free checks to get you started.

NONE
NONE
NONE
Monthly


Club Accounts
Minimum
Balance
Service
Charges
% APY*
Dividend
Paid

Sammie Seal Savers Account

Children's savings program for youngsters age 12 and under. Points are paid for deposits; prizes can be bought with the points!

$25.00
NONE
.10%
Monthly

S.T.A.R.S. Club

Teen's savings program for ages 13-19. Punches are earned on a card; kids can trade cards for money saving coupons at local merchants (pizza, music, videos, etc.)

$25.00
NONE
.10%
Monthly
Christmas Club
$5.00
NONE
.50%
Annually
Vacation Clubs (Spring & Summer)
$5.00
NONE
.50%
Annually


IRA Accounts
Minimum
Balance
Service
Charges
% APY*
Dividend
Paid

IRA Savings:

Regular, Roth (conversion & contributory), Coverdell & SEP

$5.00
NONE
.45%
Monthly


Money Market Account
Minimum
Balance
Service
Charges
% APY*
Dividend
Paid
Minimum withdrawal amount is $250.
If account drops below $2,500 then the dividend rate is same as common shares
$2500.00
3 withdrawals per month allowed free; then $5.00 fee each
.25%
Monthly


Share Certificates (CD's)
Minimum
Balance
Service
Charges
% APY*
Dividend
Paid

12 Month

$1,000
NONE
.25%
At Maturity
NOTE: penalty for early withdrawal of share certificates is loss of all accrued dividends.

18 Month

$1,000
NONE
.40%

24 Month

$1,000
NONE
.50%
36 Month
$1,000
NONE
.60%