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INTEREST RATES & A.P.Y.'s
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$500
MINIMUM BALANCE ON CD'S |
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Rates
became effective 09/01/2010.
All rates subject to change without notice. |
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All CD rates also apply to IRA's |
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TERM |
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (A.P.Y.) |
|
91
DAY |
0.70 |
0.71 |
|
182 DAY |
0.98 |
1.00 |
|
9 MONTH |
1.12 |
1.12 |
|
1
YEAR |
1.27 |
1.30 |
|
18 MONTH |
1.44 |
1.45 |
|
2
YEAR |
1.57 |
1.60 |
|
30
MONTH |
1.74 |
1.75 |
|
36 MONTH |
1.99 |
2.00 |
|
4
YEAR |
2.10 |
2.15 |
|
GOLDEN
PASSBOOK IRA |
1.60 |
1.64 |
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CHECKING AND SAVINGS RATES |
|
SAVINGS |
.35 |
.35 |
|
HSA
Health
Savings Account
$0.01 to $1,500.00
$1,500.01 to $3,000.00
$3,000.01 to $5,000.00
$5,000.01 to $10,000.00
$10,000.01 and up |
0.25
0.50
0.75
1.00
1.25 |
0.25
0.38
0.53
0.77
1.26 |
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MONEY
MARKET SAV
$0.01 to $4,999.99
$5,000.00 to $19,999.99
$20,000.00 to $34,999.99
$35,000.00 to $49,999.99
$50,000.00 and up |
0.35
0.60
0.75
0.95
1.05 |
0.35
0.55
0.64
0.78
1.05 |
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NOW
(checking) |
0.20 |
0.20 |
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SUPER
NOW (checking)
$0 to $2,500.00
$2,500.01 to $5,000.00
$5,000.01 to $7,500.00
$7,500.01 to $10,000.00
$10,000.01 and up |
0.10
0.20
0.30
0.40
0.45 |
0.10
0.15
0.22
0.28
0.45 |
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All Golden Passbook Accounts and Certificates of Deposits other than the
9, 18, 30 and 36 month CD's,
compound interest daily. The 9, 18, 30 and 36 month CD's, and Savings
Accounts compound interest quarterly. Early withdrawals may be subject
to penalty. The Money Market Savings, NOW, Super NOW and HSA Accounts compound
interest monthly. On the Super NOW, Money Market Savings and HSA accounts, interest is calculated on balances in
each tier and is cumulative as the balance increases.
Fees may reduce earnings.
Super Now: $10 charge if balance drops below $1,000.00.
HSA: $25.00 Setup Fee. Requires $100 to open.
Money Market Savings: Minimum opening deposit of $5,000.00, $10.00 monthly
charge if balance drops below $5,000, limited to 6 telephone or internet
transfers per month
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