| Shares & Certificates Accounts |
Shares and Certificates Accounts
Regular Shares - Minimum Balance of $20. All members are required to have a regular shares account. To receive dividends, you must maintain a minimum daily balance of $100 in your account.
Premium Shares Savings - Earn a high dividend that gets higher as your balance rises.
Share Certificates of Deposit - Available in variable terms. Earn a high rate of return on this investment product.
Regular Individual Retirement Accounts (IRA) - Earn a high rate of return on this investment account and with possible tax advantages. Both certificates and shares accounts are available.
Roth and Educational IRA Accounts - Earn a high rate of return on this investment product with possible tax advantages and specific benefits.
First Investors Club Shares Accounts - This account offers a high dividend rate with the flexibility of limited withdrawals. Deposit limitations apply.
Holiday Club Shares Accounts - Be ready for the holiday season and earn dividends at a special rate. Make multiple deposits and receive one disbursement in November.
Special Shares Accounts - Save for that special event, a separate special shares account will make it easy and profitable.
| Shares & Certificates Rates |
Effective July 1, 2008 >
| |
APR* | APY* |
| Regular Shares | ||
| Minimum Balance $20. Must have minimum balance of $100 to earn interest. | 0.60% |
0.60% |
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| Premium Shares | |
|
| Balance $1000 - $9,999 | 0.75% | 0.75% |
| Balances $10,000 - $49,999 | 1.00% | 1.01% |
| Balances $50,000 + | 1.00% | 1.01% |
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| Holiday Club Shares Account | |
|
| MAXIMUM monthly deposit allowed is $500.00 new money. | 5.00% | 5.12% |
| First Investors Club Shares Accounts | ||
| MAXIMUM monthly deposit allowed $100.00. Maximum account balance limit is $2,500.00. Withdrawal restrictions apply. |
4.00% |
4.07% |
| |
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| Share Certificates, 6-month | |
|
| Deposits of $500 - $9,999 | 2.00% | 2.02% |
| Deposits of $10,000 - $49,999 | 2.55% | 2.58% |
| Deposits of $50,000 - $99,999 | 2.55% | 2.58% |
| Deposits of $100,000+ | 2.85% | 2.89% |
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| Share Certificates, 12-month | |
|
| Deposits of $500 - $9,999 | 2.15% | 2.17% |
| Deposits of $10,000 - $49,999 | 2.55% | 2.58% |
| Deposits $50,000 + | 2.55% | 2.58% |
| Deposits $100,000 + | 2.90% | 2.94% |
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| Share Certificates, 24-month | |
|
| Deposits of $500 - $99,999 | 2.45% | 2.48% |
| Deposits $100,000 + | 2.45% | 2.48% |
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| Share Certificates, 36-month | |
|
| Deposits of $500 - $99,999 | 2.45% | 2.48% |
| Deposits $100,000 + | 2.45% | 2.48% |
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