May 18,2008
 
 
   
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Certificates of Deposit: Manhattan Branch
Term Interest Rate A.P.Y.*
1 - Month Certificate 1.98% 2.00%
3 - Month Certificate 2.23% 2.25%
6 - Month Certificate 1.98% 2.00%
9- Month Certificate 1.735% 1.75%
12 - Month Certificate 1.735% 1.75%
* - Annual Percentage Yield. Rates are subject to change. Minimum balance of $1000 is required to earn the posted APY. Substantial early withdrawal penalties apply. Compounded Daily

Investment Plans: New York and New Jersey Branches
Money Market - Compounded Daily Interest Rate A.P.Y.*
Money Market 1.00% 1.00%

Savings - Interest Rate A.P.Y.*
Statement Savings .50% .50%
* - Annual Percentage Yield. Rates are subject to change. Minimum balance of $500 in Savings Account is required to earn posted APY. Minimum balance of $1,500 in Money Market Account is required to earn posted APY. Fees may reduce earnings. CD Compounded Daily. Savings Compounded Daily

IRA Certificates: New York and New Jersey Branches
IRA CDs Interest Rate A.P.Y.*
1 - Month Certificate 2.23% 2.25%
3 - Month Certificate 2.72% 2.75%
6 - Month Certificate 2.23% 2.25%
9 - Month Certificate 1.99% 2.00%
12 - Month Certificate 1.99% 2.00%
*Annual Percentage Yield. Rates are subject to change. Penalty for early withdrawal prior to 59 1/2 years of age.

Certificates of Deposit: California Branches
Term Interest Rate A.P.Y.*
1 - Month Certification 2.96% 3.00%
3 - Month Certification 3.20% 3.25%
6 - Month Certification 2.71% 2.75%
9 - Month Certification 2.23% 2.25%
12- Month Certification 1.98% 2.00%
* Annual Percentage Yield. Rates are subject to change. Minimum balance of $1000 is required to earn the posted APY. Substantial early withdrawal penalties apply. Compounded Daily

Investment Plans: California Branches
Money Market - Compounded Daily Interest Rate A.P.Y.*
Money Market 1.00% 1.00%
Now Accounts 0.50% 0.50%

Savings Interest Rate A.P.Y.*
Statement Savings 0.75% 0.75
* Annual Percentage Yield. Rates are subject to change. Minimum balance of $500 in Savings Account is required to earn posted APY. Minimum balance of $1,500 in Money Market Account is required to earn posted APY. Fees may reduce earnings. CD and Savings Compounded Daily

IRA Certificates: California Branches
IRA CDs Interest Rate A.P.Y.*
1 - Month Certificate 3.21% 3.25%
3 - Month Certificate 3.45% 3.50%
6 - Month Certificate 2.96% 3.00%
9 - Month Certificate 2.48% 2.50%
12 - Month Certificate 3.25% 2.25%
*Annual Percentage Yield. Rates are subject to change. Penalty for early withdrawal prior to 59 1/2 years of age. Compounded Daily.

Certificate of Deposits: Queens and New Jersey Branches
Term Interest Rate A.P.Y.*
1 Month 2.96% 3.00%
3 Months 2.96% 3.00%
6 Months 2.71% 2.75%
9 Months 1.735% 1.75%
12 Months 1.735% 1.75%
Certificate of Deposit: Hicksville Branch
Title Interest Rate A.P.Y.*
1 Month 2.29% 3.00%
3 Months 3.20% 3.25%
6 Months 2.71% 2.75%
9 Months 1.735% 1.75%
12 Months 1.735% 1.75%
* Annual Percentage Yield. Rates are subject to change. Minimum balance of $1000 is required to earn the posted APY. Substantial early withdrawal penalties apply. Compounded Daily

 

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