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(Value Added Theme)

SAVINGS ACCOUNTS:
|
PASSBOOK SAVINGS |
IRA
SAVINGS |
CHRISTMAS CLUB |
CHECKING |
Dividend Rate |
2.50% |
3.00% |
2.50% |
2.00% on
balances $500-$2499; 2.50% on balances $2,500 or more |
Annual Percentage Yield (APY) |
2.52% |
3.04% |
2.52% |
2.02% on
balances $500-$2499; 2.52% on balances $2,500 or more |
Dividend Credited |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
Dividend rates and APYs are as of 4/1/99. Rates determined
by the Board of Directors quarterly
TERM CERTIFICATES
TERM |
BALANCE |
RATE |
APY |
TERM |
BALANCE |
RATE |
APY |
3 Months |
$500-$2,499 |
3.00% |
3.00% |
24 Months |
$2,500-99,999 |
5.00% |
5.10% |
3 Months |
$2,500-above |
4.35% |
4.35% |
24 Months |
$100,000-above |
5.00% |
5.10% |
6 Months |
$500-$2,499 |
3.25% |
3.25% |
36 Months |
$500-99,999 |
5.10% |
5.20% |
6 Months |
$2,500-above |
4.75% |
4.75% |
36 Months |
$100,000-above |
5.10% |
5.20% |
12 Months |
$500-$2,499 |
3.75% |
3.80% |
48 Months |
$500-99,999 |
5.20% |
5.31% |
12 Months |
$2,500-above |
4.90% |
5.00% |
48 Months |
$100,000-above |
5.20% |
5.31% |
24 Months |
$500-$2,499 |
4.00% |
4.06% |
60 Months |
$1,000
- above |
5.40% |
5.51% |
MONEY MARKET ACCOUNT |
IRA CERTIFICATES |
BALANCE |
RATE |
APY |
TERM |
BALANCE |
RATE |
APY |
$2,500-$ 9,999 |
3.20% |
3.25% |
12 Months |
$500-above |
4.91% |
5.0 |
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