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Savings Products
Interest Rates effective as of: 6/16/2008
Interest Rates are subject to change daily
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Account Type
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Rate
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APY*
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Minimum Balance this APY*
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Minimum Opening Balance
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Friends Merit Account = $2499.99 and under
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0.9950%
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1.00%
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$100.00
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Friends Merit Account = $2500 - $24,999.99
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0.9950%
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1.00%
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$2,500.00
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$100.00
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Friends Merit Account = $25,000 and over
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1.2423%
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1.25%
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$25,000.00
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$100.00
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Friends Choice Account=$2499.99 and under
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0.8464%
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0.85%
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$100.00
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Friends Choice Account=$2500 - $24999.99
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0.9950%
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1.00%
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$2,500.00
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$100.00
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Friends Choice Account = $25,000 and over
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1.2423%
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1.25%
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$25,000.00
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$100.00
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Friends Sensible Savings
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0.7472%
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0.75%
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$100.00
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$100.00
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Friends Treasure Acct = $1,000 - $4,999.99
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0.9950%
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1.00%
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$1,000.00
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$1,000.00
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Friends Treasure Acct = $5000 - $24,999.99
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1.2423%
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1.25%
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$5,000.00
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$1,000.00
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Friends Treasure Acct=$25,000 - $49,999.99
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2.1273%
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2.15%
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$25,000.00
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$1,000.00
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Friends Treasure Acct=$50,000 - $99,999.99
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2.3229%
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2.35%
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$50,000.00
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$1,000.00
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Friends Treasure Acct=$100,000 and over
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2.4693%
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2.50%
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$100,000.00
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$1,000.00
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Friends IOTA Account same as Choice Acct.
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$100.00
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Christmas Cash
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0.9950%
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1.00%
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$5.00
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$5.00
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Young Friends Savings
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0.7472%
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0.75%
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$25.00
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Friends Bus. Advantage = $1000-$4999.99
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0.9950%
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1.00%
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$1,000.00
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$1,000.00
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Friends Bus. Advantage = $5000-$24999.99
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1.2423%
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1.25%
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$5,000.00
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$1,000.00
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Friends Bus. Advantage =$25,000-$49,999.99
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2.1273%
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2.15%
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$25,000.00
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$1,000.00
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Friends Bus. Advantage=$50,000-$99,999.99
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2.3229%
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2.35%
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$50,000.00
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$1,000.00
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Friends Bus. Advantage=$100,000 and over
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2.4693%
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2.50%
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$100,000.00
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$1,000.00
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Certificates of Deposit (CDs)
Interest Rates effective as of: 6/16/2008
Interest Rates are subject to change daily
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Account Type
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Rate
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APY*
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Minimum Balance this APY*
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Minimum Opening Balance
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30 Day CD
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2.3229%
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2.35%
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$2,000.00
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$2,000.00
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60 Day CD
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2.4205%
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2.45%
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$2,000.00
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$2,000.00
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90 Day CD
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2.5181%
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2.55%
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$2,000.00
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$2,000.00
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6 Month CD
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2.6156%
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2.65%
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$2,000.00
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$2,000.00
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12 Month CD
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2.9560%
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3.00%
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$500.00
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$500.00
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18 Month Advantage CD
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3.0530%
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3.10%
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$5,000.00
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$5,000.00
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24 Month CD
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3.1015%
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3.15%
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$1,000.00
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$1,000.00
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30 Month Advantage CD
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3.1984%
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3.25%
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$5,000.00
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$5,000.00
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36 Month CD
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3.2469%
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3.30%
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$1,000.00
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$1,000.00
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48 Month CD
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3.3920%
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3.45%
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$1,000.00
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$1,000.00
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60 Month CD
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3.5369%
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3.60%
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$1,000.00
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$1,000.00
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Individual Retirement Accounts (IRAs)
Interest Rates effective as of: 6/16/2008
Interest Rates are subject to change daily
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Account Type
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Rate
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APY*
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Minimum Balance this APY*
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Minimum Opening Balance
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6 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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12 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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18 Month Advantage IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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24 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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30 Month Advantage IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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36 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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48 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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60 Month IRA
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3.4403%
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3.50%
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$1,000.00
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$1,000.00
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* Annual Percentage Yield
** Minimum Balance Required to obtain APY listed for this Account.
The annual percentage yield assumes interest remains on deposit until maturity.
A withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal.
Early withdrawal fees could result in a reduction in earnings and/or principal.
***Interest is compounded daily
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