Effective as of 09/01/2012
Savings Rates
Limited to the State of Maryland |
| Account Type |
Minimum to Open |
Min Balance to Earn Annual Percentage Yield |
Interest Rate |
Annual Percentage Yield |
| Easy Checking |
$100 |
$0.00 |
.00% |
.00% |
| NOW |
$300 |
$300 |
.20% |
.20% |
| Money Market |
$2,500 |
$0 - $2,500 |
.15% |
.15% |
| Money Market |
$2,500 |
$2,500 - $20,000 |
.30% |
.30% |
| Money Market |
$2,500 |
over $20,000 |
.39% |
.40% |
| Money Market Advantage |
$40,000 |
$0 - $39,999 |
.15% |
.15% |
| Money Market Advantage |
$40,000 |
$40,000 and over |
.69% |
.70% |
| Statement Savings |
$50 |
$10 |
.30% |
.30% |
| Christmas Club |
$10 |
$10 |
.30% |
.30% |
| Certificates of Deposit |
| Account Type |
Minimum to Open |
Min Balance to Earn Annual Percentage Yield |
Interest Rate |
Annual Percentage Yield |
| 6 Month |
$500 |
$500 |
.30% |
.30% |
| 6 Month |
$7,500 |
$7,500 |
.34% |
.35% |
| 12 Month |
$500 |
$500 |
.39% |
.40% |
| 12 Month |
$1,000 |
$1,000 |
.59% |
.60% |
| 12 Month |
$7,500 |
$7,500 |
.44% |
.45% |
| 15 Month |
$10,000 |
$10,000 |
.69% |
.70% |
| 18 Month |
$500 |
$500 |
.54% |
.55% |
| 18 Month |
$20,000 |
$20,000 |
.64% |
.65% |
| 24 Month |
$500 |
$500 |
.74% |
.75% |
| 30 Month |
$500 |
$500 |
.83% |
.85% |
| 36 Month |
$500 |
$500 |
.98% |
1.00% |
| 48 Month |
$500 |
$500 |
1.13% |
1.15% |
| 60 Month |
$500 |
$500 |
1.47% |
1.50% |
| Individual Retirement Accounts |
| Account Type |
Minimum to Open |
Min Balance to Earn Annual Percentage Yield |
Interest Rate |
Annual Percentage Yield |
| 6 Month |
$100 |
$100 |
.30% |
.30% |
| 12 Month |
$100 |
$100 |
.39% |
.40% |
| 18 Month |
$100 |
$100 |
.54% |
.55% |
| 30 Month |
$100 |
$100 |
.83% |
.85% |
| 42 Month |
$100 |
$100 |
1.13% |
1.15% |
| 60 Month |
$100 |
$100 |
1.47% |
1.50% |
| Notes |
| Rates subject to change without notice. |
| Member FDIC |
| A penalty may be imposed for early withdrawal on certificates of deposit. |
| Except for certificate of deposit accounts and IRA's, the interest rate may change after the account is opened. |
| Fees could reduce the earnings on the account. |
| A penalty may be imposed for early withdrawal on individual retirement accounts. |
| NOW Accounts for Personal Use Only. |
Savings and money market account transactions are limited to 6 pre-authorized transfers/withdrawals per statement cycle period. |
