The
following rates are effective
4/30/08
|
| Type |
Rate |
APY* |
| Regular
Shares |
| $5.00 and Over |
0.90%
|
0.90% |
| Club
Accounts |
Includes:
Christmas Club
Vacation Club
Insurance Club |
0.90%
|
0.90%
|
| Share
Certificates & IRA Certificates** |
6 Months $1,000 Minimum
9 Months $1,000 Minimum
12 Months $1,000 Minimum
18 Months $1,000 Minimum
24 Months $1,000 Minimum
36 Months $1,000 Minimum
48 Months $1,000 Minimum
|
2.85%
NA
2.95%
2.95%
3.05%
3.20%
3.35%
|
2.88%
NA
2.98%
2.98%
3.09%
3.24%
3.39% |
|
| *Receive a
1/4% Bonus
on any of the CD rates noted above if you are an ESM-NS Premier
member. Call the credit union for details. |
| Money
Markets |
| $10,000 Daily Balance
|
1.75%
|
1.76%
|
| $25,000 Daily Balance |
2.00% |
2.02% |
| $50,000+ Daily Balance |
2.50% |
2.52% |
| $100,000+Daily Balance |
2.75% |
2.78% |
| *under $10,000
pays standard share rate. |
| IRA
Deposits |
No Minimum Balance
|
1.25%
|
1.26%
|
| Share
Draft Checking |
No Minimum Balance
No Per Check Charges
No Annual Fee
|
N/A
|
N/A
|
| |
- APY means 'Annual Percentage
Yield' *
- Substantial penalty for early
withdrawal from certificates. Contact the credit union for
details **
- All dividends compounded and
paid quarterly
- Dividends are available to
members on the first day of each calender quarter
- Rates subject to change at
the discretion of the Board of Directors based on credit
union earnings and are not guaranteed
- $5.00 minimum deposit required
to open a share account
- Share rates posted are declared
at each quarter-end and are subject to change
- Money Market account rates
are calculated on a daily basis vs. average balance basis.
|
