Investment Accounts

Grow your money with our low-risk investment options. If your timeline is a few weeks or several years, use our investment accounts and put your money to work.

Invidual Retirement Accounts Rates as of September 1, 2009

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$25.001.00%1.01%
"APY" refers to Annual Percentage Yield

All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $25.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Money Market Accounts Rates as of June 1, 2010

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**

$2,000-$4,999

$5,000-$24,999

$25,000 and up

$2,000.00

$5,000.00

$25,000.00

.75%

1.00%

1.25%

.75%

1.01%

1.26%

"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $2,000.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $2,000.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Term Certificates Rates as of August 31, 2010

TermMinimum Investment

Dividend

Rates

Annual Percentage Yield
182 Days$1,000.000.23%0.23%
1 Year$1,000.000.64%0.64%
2 Years$1,000.000.92%0.92%
A penalty will be imposed for early withdrawals on all Certificates.

Jumbo Certificates Rates as of August 31, 2010

TermMinimum InvestmentDividend RatesAnnual Percentage Yield
182 Days$100,000.000.48%0.48%
1 Year$100,000.000.89%0.89%
2 Years$100,000.001.17%1.18%
A penalty will be imposed for early withdrawals on all Certificates.
New & Used Auto Loans 3.99%
Home Equity Loans 4.90%
Platinum MasterCardŽ 9.90%

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To report a lost or stolen MasterCard Rewards Debit or to activate please call (800) 472-3272 or (973) 682-2652 for international.

To report a lost or stolen Rewards MasterCard credit card (Regular or Platinum) or for other credit card inquiries please call (877) 352-0755 or (605) 782-3523 for international.

Rates may be fixed or variable and may include discounts or other promotional conditions.

"APY" refers to Annual Percentage Yield
"APR" refers to Annual Percentage Rate
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