Checking Accounts
Rates Effective as of July 3, 2008
Product Name
Min. Tiered Balance
APY%
Interest Rate%
Prestige Checking
0.20
0.200
Dividend Club Checking
0.20
0.200
Personal Money Market
$0.00
0.20
0.200
$10,000.00
0.50
0.500
$50,000.00
1.00
1.000
$100,000.00
1.50
1.490
Indexed Money Market
$0.00
0.20
0.200
$15,000.00
0.30
0.300
$100,000.00
1.31
1.300
  • APY = Annual Percentage Yield

  • Fees could reduce earnings on the above accounts.

  • With the exception of fixed rate CDs, the rate may change on any given account after the account is opened.

  • All account balances will earn the same interest rate. Interest on tiered rate products is paid at the one interest rate shown above for the deposit tier which lists your daily balance.

  • All deposits are insured to a maximum of $100,000 per depositor by the FDIC. For additional account disclosure information, please refer to your Deposit Account Rules and Disclosures and the Supplement(s) to the Deposit Account Rules.


Savings Accounts
Rates Effective as of July 3, 2008
Product Name
Min. Tiered Balance
APY%
Interest Rate%
Passbook Savings
0.30
0.300
Statement Savings
0.30
0.300
Woody Savings
0.30
0.300
Christmas Club
0.30
0.300
IBEW Employee Savings
0.30
0.300
  • APY = Annual Percentage Yield

  • Fees could reduce earnings on the above accounts.

  • With the exception of fixed rate CDs, the rate may change on any given account after the account is opened.

  • All account balances will earn the same interest rate. Interest on tiered rate products is paid at the one interest rate shown above for the deposit tier which lists your daily balance.

  • All deposits are insured to a maximum of $100,000 per depositor by the FDIC. For additional account disclosure information, please refer to your Deposit Account Rules and Disclosures and the Supplement(s) to the Deposit Account Rules.


Certificate of Deposit
Rates Effective as of July 3, 2008
Product Name
Min. Tiered Balance
APY%
Interest Rate%
7 Day CD
$2,000.00
0.20
0.200
$10,000.00
0.30
0.300
$50,000.00
0.30
0.300
$100,000.00
0.30
0.300
91 Day CD
$2,000.00
1.50
1.490
$10,000.00
1.70
1.690
$50,000.00
1.80
1.79
$100,000.00
1.90
1.890
182 Day CD
$2,000.00
1.70
1.690
$10,000.00
1.90
1.890
$50,000.00
2.00
1.990
$100,000.00
2.10
2.090
8 MO. PROMOTIONAL CD
$2,000.00
2.80
2.760
$10,000.00
3.00
2.960
$50,000.00
3.10
3.060
$100,000.00
3.20
3.150
1 Year CD
$2,000.00
2.10
2.080
$10,000.00
2.30
2.280
$50,000.00
2.40
2.380
$100,000.00
2.50
2.480
15 MO. PROMOTIONAL CD
$2,000.00
3.30
3.250
$10,000.00
3.51
3.450
$50,000.00
3.60
3.540
$100,000.00
3.70
3.640
2 Year CD
$2,000.00
2.30
2.280
$10,000.00
2.50
2.480
$50,000.00
2.61
2.580
$100,000.00
2.70
2.670
27 MO. PROMOTIONAL CD
$2,000.00
3.55
3.490
$10,000.00
3.75
3.690
$50,000.00
3.85
3.780
$100,000.00
3.95
3.880
3 yr Trade Rate CD
$2,000.00
2.50
2.480
$10,000.00
2.70
2.670
$50,000.00
2.80
2.770
$100,000.00
2.90
2.870
38 MO. PROMOTIONAL CD
$2,000.00
4.05
3.980
$10,000.00
4.25
4.170
$50,000.00
4.35
4.270
$100,000.00
4.45
4.360
4 Year CD
$2000.00
3.15
3.110
$10,000.00
3.35
3.310
$50,000.00
3.45
3.410
$100,000.00
3.55
3.500
56 MO. PROMOTIONAL CD
$2,000.00
4.80
4.700
$10,000.00
5.00
4.890
$50,000.00
5.11
4.990
$100,000.00
5.20
5.080
5 Year CD
$2,000.00
3.40
3.360
$10,000.00
3.60
3.550
$50,000.00
3.70
3.650
$100,000.00
3.80
3.750
Woody 3 Year CD
$500.00
2.50
2.480
$10,000.00
2.70
2.670
$50,000.00
2.80
2.770
$100,000.00
2.90
2.870
  • APY = Annual Percentage Yield

  • A penalty may be imposed for early withdrawal from CDs.

  • With the exception of fixed rate CDs, the rate may change on any given account after the account is opened.

  • All account balances will earn the same interest rate. Interest on tiered rate products is paid at the one interest rate shown above for the deposit tier which lists your daily balance.

  • All deposits are insured to a maximum of $100,000 per depositor by the FDIC. For additional account disclosure information, please refer to your Deposit Account Rules and Disclosures and the Supplement(s) to the Deposit Account Rules.


IRAs
Rates Effective as of July 3, 2008
Product Name
Min Tiered Balance
APY%
Interest Rate%
8 MO. PROMOTIONAL IRA CD
$1,000.00
2.80
2.760
$10,000.00
3.00
2.960
$50,000.00
3.10
3.060
$100,000.00
3.20
3.150
1 Year IRA CD
$1,000.00
2.15
2.130
$10,000.00
2.35
2.330
$50,000.00
2.45
2.430
$100,000.00
2.55
2.530
15 MO. PROMOTIONAL IRA CD
$1,000.00
3.30
3.250
$10,000.00
3.51
3.450
$50,000.00
3.60
3.540
$100,000.00
3.70
3.640
27 MO. PROMOTIONAL IRA CD
$1,000.00
3.55
3.490
$10,000.00
3.75
3.690
$50,000.00
3.85
3.780
$100,000.00
3.95
3.880
3 Year Trade Rate IRA CD
$1,000.00
2.55
2.530
$10,000.00
2.75
2.720
$50,000.00
2.85
2.820
$100,000.00
2.95
2.920
38 MO. PROMOTIONAL IRA CD
$1,000.00
4.05
3.980
$10,000.00
4.25
4.170
$50,000.00
4.35
4.270
$100,000.00
4.45
4.360
56 MO. PROMOTIONAL IRA CD
$1,000.00
4.80
4.700
$10,000.00
5.00
4.890
$50,000.00
5.11
4.990
$100,000.00
5.20
5.080
5 Year IRA CD
$1,000.00
3.45
3.410
$10,000.00
3.65
3.600
$50,000.00
3.75
3.700
$100,000.00
3.85
3.800
IRA Statement Savings
0.30
0.300
  • APY = Annual Percentage Yield

  • With the exception of fixed rate CDs, the rate may change on any given account after the account is opened.

  • All account balances will earn the same interest rate. Interest on tiered rate products is paid at the one interest rate shown above for the deposit tier which lists your daily balance.

  • All deposits are insured to a maximum of $100,000 per depositor by the FDIC. For additional account disclosure information, please refer to your Deposit Account Rules and Disclosures and the Supplement(s) to the Deposit Account Rules.