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Certificate Rates

Rates as of: 02/12/10

Certificates of Deposit: Regular Accounts or IRAs
Type or Term of Account Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Minimum Balance to Avoid Monthly Fee
91 Day 0.45% 0.45% 500.00 500.00 N/A
182 Day 0.50% 0.50% 500.00 500.00 N/A
9 Month 0.65% 0.65% 500.00 500.00 N/A
1 Year 1.00% 1.00% 500.00 500.00 N/A
18 Month 1.24% 1.25% 500.00 500.00 N/A
2 Year 1.48% 1.49% 500.00 500.00 N/A
27 Month 2.33% 2.35% 500.00 500.00 N/A
2 1/2 Year 1.59% 1.60% 500.00 500.00 N/A
33 Month 1.79% 1.80% 500.00 500.00 N/A
3 Year 1.72% 1.73% 500.00 500.00 N/A
4 Year 2.08% 2.10% 500.00 500.00 N/A
5 Year 2.18% 2.20% 500.00 500.00 N/A
6-9 Year 2.18% 2.20% 500.00 500.00 N/A
10 Year 2.18% 2.20% 500.00 500.00 N/A

Account Terms

  • The interest rate for your account will be paid until the maturity date.
  • Interest is compounded and credited quarterly, except on 91Day & 182Day CDs it is at maturity.
  • This account will automatically renew at maturity. You will have ten (10) calendar days from maturity, maturity date being day 1, to withdraw funds without being charged a penalty.
  • After the account is opened, you may not make deposits into or withdrawals of principal from this account until the maturity date.
  • The Annual Percentage Yield assumes interest remains on deposit until maturity. A withdrawal of interest credited during the term will reduce earnings.
  • If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed: 
    • 91 Day CD - Greater of 30 days interest or all interest earned.
    • 182 Day CD - Greater of 90 days interest or all interest earned.
    • 9 Month CD and 1 Year CD - 90 Days Interest.
    • 1 Year and 18 month CD - 180 days interest.
    • 2 Year CD or Greater - 365 days interest.
For IRAs Only
Type or Term of Account Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Minimum Balance to Avoid Monthly Fee
18 Month Variable 0.75% 0.75% 250.00 250.00 N/A

Account Terms

  • The interest rate and Annual Percentage Yield will change quarterly to be the most recent quarterly average of the interest rate by this Association on new 182 Day Certificates.
  • Interest is compounded and credited quarterly.
  • This account will automatically renew at maturity. You will have ten (10) calendar days from maturity, maturity date being day 1, to withdrawal without being charged a penalty.
  • Deposits of $25 or more may be made to this account at any time. No withdrawals of principal are allowed. The penalty for early withdrawal of principal is 180 days interest.

For All Accounts

  • Complete information regarding all deposit accounts may be obtained from a new accounts representative.

  • On ALL deposits, interest accrues from business day of deposit.

  • We use the daily balance method for minimum balance requirements and to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

  • We reserve the right to require 7 days written notice prior to withdrawals or transfers of funds.

  • For accounts with balances under $50, and no activity for three (3) years, a fee of $5.00 per year will be charged until the account is closed.

  • RATES OFFERED ARE SUBJECT TO CHANGE AT ANY TIME. Please call (215) 947-1300 to obtain current rate information.

  • Fees could reduce earnings on interest bearing accounts.

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