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Rates as of November 1, 2008

Savings and Checking Accounts

For dividend period: November 1, 2008

Dividends calculated on daily balance, and credited and compounded monthly. Dividend rates and Annual Percentage Yields (APY) may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings.

Account

 Dividend 
Rate

APY 

Membership Savings
  $5 minimum opening deposit

.50%

0.50% 

Preferred or Select Checking

0.25%

0.25%

Savings 
  No minimum balance to open or earn dividends

0.50%

0.50%

Christmas Club 
  No minimum balance to open or earn dividends

0.50%

0.50%

Funeral Trust 
  No minimum balance to open or earn dividends

0.50%

0.50%

HSA Savings & Checking 
   $0 - $9,999.99
     $10,000.00 and more

1.00%
1.24%

1.00%
1.25%

Membership Savings with Life Insurance Opened before 7/1/96 
     Balance up to $4,000 
     Balance more than $4,000

0.25%
0.50%

0.25%
0.50%
Money Market Savings & Checking 
No minimum balance to open
As of November 1, 2008

    $0 - $9,999.99

0.50%

0.50%

    $10,000 - $24,999.99

1.24%

1.25%

    $25,000 - $49,999.99

1.49%

1.50%

    $50,000 - $99,999.99

1.74%

1.75%

    $100,000 and more

1.98%

2.00%
Achieve Money Market*
As of November 1, 2008

    $ 0 - $24,999.99

0.75%

0.75%

    $25,000 and more

2.23%

2.25%

* $15 fee in any month if balance drops below $25,000.00.
* $15 fee for each withdrawal over 3 each month.
* $1,000 minimum withdrawal and deposit.

Please contact us about fees, terms or for more information about any of these accounts.

Certificates and IRAs

Annual Percentage Yields (APY) as of November 1, 2008

Certificates and IRAs can be automatically renewed. APYs subject to change. Early withdrawal penalty: 90 days dividends on 3, 6, & 12 month certificates, 180 days on certificates 15 months and longer and IRAs. Dividends calculated on daily balance, and credited and compounded monthly. Dividend rates and Annual Percentage Yields (APY) may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings.

Deposit Amount Basic MVP
Level 		Silver MVP Level Gold MVP Level
TERM COMPOUNDED MINIMUM BALANCE TO OPEN & EARN APY Dividend Rate APY Dividend Rate APY Dividend Rate APY
3 month @ Maturity $5,000 2.23% 2.25% 2.58% 2.61% 2.98% 3.01%
6 month Monthly $1,000 2.72% 2.75% 3.07% 3.11% 3.47% 3.53%
12 month Monthly $1,000 2.96% 3.00% 3.31% 3.36% 3.71% 3.77%
18 month Monthly $1,000 2.96% 3.00% 3.31% 3.36% 3.71% 3.77%
24 month Monthly $1,000 3.06% 3.10% 3.41% 3.46% 3.81% 3.88%
36 month Monthly $1,000 3.06% 3.10% 3.41% 3.46% 3.81% 3.88%
36 month Step-Up Monthly $5,000 2.81% 2.85% 3.16% 3.21% 3.56% 3.62%
48 month Monthly $1,000 3.20% 3.25% 3.55% 3.61% 3.95% 4.02%
60 month Monthly $1,000 3.40% 3.45% 3.75% 3.82% 4.15% 4.23%
18 month Fixed Rate IRA Monthly $500 2.96% 3.00% 3.31% 3.36% 3.71% 3.77%
60 month Fixed Rate IRA Monthly $500 3.40% 3.45% 3.75% 3.82% 4.15% 4.23%
18 month Variable Rate IRA Daily $50 1.89% 1.91%
12 month Fixed Rate Health Savings Monthly $500 2.96% 3.00% 3.31% 3.36% 3.71% 3.77%

Reach MVP Level with Direct Deposit into an active WESTconsin Personal Checking Account and $15,000 in balances for Silver, or $30,000 or a first mortgage real estate loan for Gold.

Please contact us about fees, terms or more information about any of these accounts.

 
 
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