Last Updated On: Wednesday, September 02, 2009
Savings and Investment Accounts
| $10 |
$10 |
.499% |
.50% |
Monthly |
| $10 |
N/A |
.499% |
.50% |
Monthly |
| 2,000 |
balance > $5,000 |
.747% |
.750% |
Monthly |
| 2,000 |
Balance between $2,000 - $4,999 |
.623% |
.625% |
Monthly |
| 2,000 |
balance < $2,000 |
0.000% |
0.000% |
N/A |
| $10,000 |
balance > $10,000 |
.872% |
.875% |
Monthly |
| $10,000 |
balance < $10,000 |
0.00% |
0.00% |
N/A |
| $25,000 |
$25,000 |
.995% |
1.00%** |
Monthly |
| $0 |
$0 |
.995% |
1.00%** |
Monthly |
| $0 |
$0 |
.995% |
1.00%** |
Monthly |
| N/A |
N/A |
.499% |
.50% |
Monthly |
| N/A |
N/A |
.499% |
.50% |
Monthly |
*APY=Annual Percentage Yield. Fees may reduce the earnings on these accounts.
**Rate is effective as of 3/31/09 and can change at anytime. Balances below minimum will not earn interest and will incur a fee. Any withdrawal or transfers less than $100.00 will accrue a $5.00 fee.
Investment and IRA (Traditional and Roth) Certificates
| .623% |
.625% |
.623% |
.625% |
N/A |
N/A |
| .747% |
.750% |
.747% |
.750% |
.872% |
.875% |
| .995% |
1.000% |
.995% |
1.000% |
1.119% |
1.125% |
| 1.490% |
1.500% |
1.490% |
1.500% |
1.613% |
1.625% |
| 1.859% |
1.875% |
1.859% |
1.875% |
1.982% |
2.00% |
| 2.350% |
2.375% |
2.350% |
2.375% |
2.472% |
2.500% |
| 2.594% |
2.625% |
2.594% |
2.625% |
2.716% |
2.750% |
*APY = Annual Percentage Yield. Rates are effective as of 3/31/09 and can change at anytime. The APYs for certificates assume that the dividends (interest) accrue to the certificate monthly. If you choose to have the dividends accrue to the Capitol Share Account instead, the APY will equal the rate. There are substantial penalties for early withdrawals on Investment Certificates and IRA Certificates.
***Available as IRA Certificates. IRA Certificate dividends must accrue on the certificate.
Details:IRAs
Certificate Builder** (Unlimited deposits per year during the term)
| 12 months |
.995% |
1.000% |
*APY=Annual Percentage Yield. The APYs for certificates assume that the dividends (interest) accrue to the certificate monthly. If you choose to have the dividends accrue to the Capitol Share Account instead, the APY will equal the rate. There are substantial penalties for early withdrawals on Investment Certificates and IRA Certificates. Also available as an IRA. . **$100 minimum balance must be maintained for the 12-month term. Rate effective as of 3/31/09 and can change at any time. Dividends/interest is calculated daily and compounded monthly.
Step-Up Certificate (60-month certificate; Ability to discontinue* at 36 months)
| 1-12 months |
1.736% |
1.750% |
| 13-24 months |
2.227% |
2.250% |
| 25-36 months |
2.716% |
2.750% |
| 37-48 months |
4.169% |
4.250% |
| 49-60 months |
5.128% |
5.250% |
*APY=Annual Percentage Yield. The APYs for certificates assume that the dividends (interest) accrue to the certificate monthly. If you choose to have the dividends accrue to the Capitol Share Account instead, the APY will equal the rate. Also available as an IRA. Rates effective as of 3/31/09 and can change at any time. Dividends/interest is calculated daily and compounded monthly. Transaction Limitations: You can withdraw principle and dividends at the three year anniversary of the certificate or rollover to the next tier rate.
Jumbo Certificate**
| 24 months |
1.736% |
1.750% |
*APY=Annual Percentage Yield. The APYs for certificates assume that the dividends (interest) accrue to the certificate monthly. If you choose to have the dividends accrue to the Capitol Share Account instead, the APY will equal the rate. There are substantial penalties for early withdrawals on Investment Certificates and IRA Certificates.
**$99,000 minimum balance must be maintained for the 24-month term. Rate effective as of 3/31/09 and can change at any time. Dividends/interest is calculated daily and compounded monthly. Available as IRA Certificates. IRA Certificate dividends must accrue on the certificate.
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Checking Accounts
| $0 |
N/A |
N/A |
N/A |
| $0 |
N/A |
N/A |
N/A |
| $0 |
N/A |
N/A |
N/A |
| $5,000 |
1.243% |
1.250% |
Monthly |
| $0 |
N/A |
N/A |
N/A |
| $200 |
.100% |
.100% |
Monthly |
|
*APY=Annual Percentage Yield. Rate effective as of 2/10/09 and can change at any time. Fees may reduce the earnings on these accounts. Rates are subject to change without notice. Rules governing these accounts are available upon request.
Details: Checking Accounts Basic Participation business accounts
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