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Rates

Rates are current as of 10/22/2004.
Account
(All accounts are federally-insured)

Annual Percentage Rate*
(%)

APY**
(%)

Money Market
(Minimum: $500 to open; Limited checking)
$500-$500,000 1.20 1.20
$500,000+ 1.30 1.31
 
Certificates of Deposit (all categories)
($1,000 minimum)
3-month term 2.07 2.07
6-month term 2.21 2.21
12-month term 2.38 2.38
24-month term 2.81 2.83
36-month term 3.24 3.26
48-month term 3.50 3.53
60-month term 3.72 3.75
 
Individual Retirement Account
($25 minimum)
Traditional, Roth, and Educational 2.38 2.38
 
Regular Savings Account
0.50 0.50
 
Economic Development Certificate
0-0.50 0-0.50

*Interest compounds daily. Interest paid on money market, savings, and IRA accounts can change during the course of the month. 
**Annual Percentage Yield