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Savings Rates

Dividends are calculated on daily balances on all accounts. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal, fees or other conditions will reduce earnings. Dividend rates are subject to change at any time without notice. Some deposit accounts may have a penalty for early withdrawal.

All deposit rates quoted are effective as of August 14, 2008.

Deposit Balance Dividend Rate Annual Percentage Yield Compounding/Posted
Regular Shares - minimum deposit to open is $10
Tier 1 $100 - $999 .25% .25% Daily/Monthly
Tier 2 $1,000 - $4,999 .50% .50% Daily/Monthly
Tier 3 $5,000 - $24,999 .75% .75% Daily/Monthly
Tier 4 $25,000 - $49,999 1.00% 1.00% Daily/Monthly
Tier 5 $50,000 & Over 1.49% 1.50% Daily/Monthly
Free Checking  and Debit Accounts - minimum deposit to open is $25
All n/a 0.00% 0.00% n/a
Money Market - minimum deposit to open is $5,000
Tier 1 $5,000 - $9,999 1.24% 1.25% Daily/Monthly
Tier 2 $10,000 - $24,999 1.49% 1.50% Daily/Monthly
Tier 3 $25,000 - $49,999 2.09% 2.15% Daily/Monthly
Tier 4 $50,000 & Over 2.65% 2.75% Daily/Monthly
Certificates of Deposit (CDs) - minimum deposit to open is $100
6 month $100 & Over 3.45% 3.50% Monthly/Monthly
1 Year $100 & Over 3.88% 4.00% Monthly/Monthly
2 Year $100 & Over 4.41% 4.50% Monthly/Monthly
3 Year $100 & Over 4.55% 4.65% Monthly/Monthly
5 Year $100 & Over 4.89% 5.00% Monthly/Monthly
Traditional, Roth and Coverdell ESA
Variable no minimum 3.45% 3.50% Monthly/Monthly
6 month $100 & Over 3.45% 3.50% Monthly/Monthly
1 Year $100 & Over 3.88% 4.00% Monthly/Monthly
2 Year $100 & Over 4.41% 4.50% Monthly/Monthly
3 Year $100 & Over 4.55% 4.65% Monthly/Monthly
5 Year $100 & Over 4.89% 5.00% Monthly/Monthly

Holiday Club - no minimum deposit amount

All $100 & Over .50% .50% Daily/Monthly

Vacation Club - no minimum deposit amount

All $100 & Over .50% .50% Daily/Monthly

Special Accounts - no minimum deposit amount

All $100 & Over .50% .50% Daily/Monthly

3418 MacCorkle Ave SE  |  Charleston, WV 25304  |  (304) 721-4145 phone |  (304) 342-3147 fax

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Disclosures


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