Deposit Rates

Share Accounts Effective 02/01/2011

Account Type RateAPY*Min. Balance
Fat Cat0.250.25$25
Share0.250.25$25
Zard0.250.25$25
Golden Circle0.250.25$25
Holiday Cash Club0.250.25$25

*APY: Annual Percentage Yield

Checking and Money Market Share Effective 06/15/2012

Account Type RateAPY*Min. Balance
Checking0.150.15None
Money Market0.350.35$250

*APY: Annual Percentage Yield

Share Term Certificates Effective 06/15/2012

Account Type TermRateAPY*Min. Balance
Share Term Certificate6 months.50.50$250
Share Term Certificate12 months.75.75$250
Share Term Certificate18 months.75.75$250
Share Term Certificate24 months.75.75$250
Share Term Certificate30 months.90.90$250
Share Term Certificate36 months.90.90$250
Share Term Certificate48 months1.151.15$250
Share Term Certificate60 months1.151.15$250

Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates.

*APY: Annual Percentage Yield

Individual Retirement Accounts Effective 08/22/2011

Account Type RateAPY*
Traditional IRA1.001.01
Roth IRA1.001.01
SEP IRA1.001.01
Coverdell Education Savings Account1.001.01

Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates.

*APY: Annual Percentage Yield

Health Savings Account Effective 06/15/2012

Account Type RateAPY*
Health Savings Account1.501.51

*APY: Annual Percentage Yield

Feedback Form