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Rates and Yields Effective as of 2/01/12
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| Savings Calculator |
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| Account Type |
Minimum Balance
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DR*
|
APY**
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| Share (Savings) & Clubs |
$25 minimum
|
0.10%
|
0.10%
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| Share Draft (Checking) |
No Min. Balance
|
0.00%
|
0.00%
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| Atlantic Advantage Checking |
No Min. Balance
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0.10%
|
0.10%
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WAVE Money Market Account
- tiered dividends based upon the
average daily balance |
$2,500 - $4,999
$5,000 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000+
|
0.20%
0.25%
0.30%
0.40%
0.45%
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0.20%
0.25%
0.30%
0.40%
0.45%
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| 3 Mo. Share Certificate |
$100 minimum
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0.20%
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0.20%
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| 6 Mo. Share or IRA Certificate |
$500 minimum
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0.35%
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0.35%
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| 12 Mo. Share or IRA Certificate |
$500 minimum
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0.50%
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0.50%
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18 Mo. *Rippling Waves
Share or IRA Certificate
- allows add'l ($500 minimum) deposits
- requires a checking account & debit card |
$500 minimum
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0.75%
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0.75%
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| 2 Yrs. Share or IRA Certificate |
$500 minimum
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0.80%
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0.80%
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3 Yrs *Changing Tides
Share or IRA Certificate
- allows 1-time rate increase |
$500 minimum
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1.19%
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1.20%
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| 4 Yrs. Share or IRA Certificate |
$500 minimum
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1.54%
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1.55%
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| 5 Yrs. Share or IRA Certificate |
$500 minimum
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1.98%
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2.00%
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Retirement Share Account
(Roth IRA, Traditional IRA, SEP IRA,
and Coverdell ESA Accounts) |
$0 - $4,999
$5,000 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000+
|
0.10%
0.25%
0.30%
0.40%
0.45%
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0.10%
0.25%
0.30%
0.40%
0.45%
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| Health Savings Account (HSA) |
$0 - $999
$1,000 - $4,999
$5,000 +
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0.10%
0.25%
0.30%
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0.10%
0.25%
0.30%
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IRA Share Certificates (6 month - 5 year)
available at regular Share Certificate rates.
For term certificates an early withdrawal penalty may exist.
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*DR: Dividend Rate **APY: Annual Percentage Yield
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