Deposit Account Rates

Rates effective as of 11/1/2011

CheckingDividend RateAPY*Minimum Balance Required
Reward Checking*2.52%2.55%$0

*APY = Annual Percentage Yield. Monthly Dividends. 2.55% Annual Percentage Yield (APY) paid on balances between one penny and $35,000, and 0.30% APY paid on all amounts above $35,000 each month the minimum requirements are met. If you do not meet the requirements per month, your account will still function as a free checking account earning 0.15% APY; however, it will not receive ATM refunds for that time period. Rates effective 11/01/2011. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. Requirements for the 2.55% interest rate each qualification monthly cycle include: 1) have at least ten debit card purchase transactions post and clear, 2) have a minimum of one direct deposit or electronic withdrawal post and clear, 3) receive statement electronically, and 4) use online banking.

SavingsDividend RateAPY*Balance Required
Vacation Club and Christmas Club0.25%0.25%$300.00

Daily Average Balance

Certificate Builder0.50%0.50%$25.00

Minimum Balance

*APY = Annual Percentage Yield. Quarterly dividends.

Money Manager BalanceDividend RateAPY*
$1,000 - $9,9990.1499%0.10%
$10,000 - $24,9990.34944%0.30%
$25,000 - $49,9990.349886%0.45%
Over $50,0000.59836%0.55%

*APY = Annual Percentage Yield. Monthly Dividends.

Share Certificate TermMinimum BalanceDividend RateAPY*
6 Month$1,0000.45%0.45%
7 Month$1,0000.45%0.45%
12 Month$5000.60%0.60%
15 Month$1,0000.60%0.60%
24 Month$1,0001.00%1.00%
24 Month with monthly dividend transfer$1,0001.00%1.00%
36 Month$1,0001.19%1.20%
Rate Bonus (Active Accounts)ADD
Checking Account0.10%
Full Direct Deposit0.10%
SECU Credit Card0.10%
Consumer Loan 0.10%
Mortgage0.10%

*APY = Annual Percentage Yield. Quarterly Dividends.

Individual Retirement AccountsDividend RateAPY*
Traditional0.70%0.70%
Roth0.70%0.70%
Education0.70%0.70%

*APY = Annual Percentage Yield. Quarterly Dividends.