Deposits
Deposit Rates
No broker or institutional deposits accepted.
FDIC Insured up to $250,000 per depositor.
Shelter Bank Money Market Rates
Effective as of: 7/26/10 
| BALANCE | RATE | ANNUAL PERCENTAGE YIELD |
| UNDER $500 | .000% | N/A% |
| $500 - $24,999.99 | 1.00% | 1.00% |
| $25,000 - $49,999.99 | 1.00% | 1.00% |
| $50,000 - $99,999.99 | 1.00% | 1.00% |
| $100,000 - $249,999.99 | 1.09% | 1.10% |
| $250,000 + | 1.29% | 1.30% |
All rates are rounded to the nearest hundredth of a percent.
Regular Certificates of Deposit, Less than $95,000
Effective as of: 7/26/10
| TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD | MINIMUM BALANCE REQUIRED TO OPEN ACCOUNT |
| 6 Months | 0.70% | 0.70% | $1,000.00 |
| 12 Months | 1.09% | 1.10% | $1,000.00 |
| 18 Months | 1.19% | 1.20% | $1,000.00 |
| 22 Month Special* | 1.69% | 1.70% | $1,000.00 |
| 24 Months | 1.29% | 1.30% | $1,000.00 |
| 30 Months | 1.39% | 1.40% | $1,000.00 |
| 36 Months | 1.54% | 1.55% | $1,000.00 |
| 48 Months | 2.03% | 2.05% | $1,000.00 |
| 60 Months | 2.52% | 2.55% | $1,000.00 |
| 72 Months | 2.86% | 2.90% | $1,000.00 |
| 84 Months | 2.20% | 3.25% | $1,000.00 |
All interest rates are rounded to the nearest hundredth of a percent.
* To apply for the product, select "Promo" from the Account Type drop down list, and enter promo code: 15
JUMBO Certificates of Deposit, $95,000 and greater
Effective as of: 7/26/10
| Term | Interest Rate | ANNUAL PERCENTAGE YIELD | MINIMUM BALANCE REQUIRED TO OPEN ACCOUNT |
| 6 Months | 0.80% | 0.80% | $95,000.00 |
| 12 Months | 1.19% | 1.20% | $95,000.00 |
| 18 Months | 1.29% | 1.30% | $95,000.00 |
| 22 Month Special* | 1.78% | 1.80% | $95,000.00 |
| 24 Months | 1.39% | 1.40% | $95,000.00 |
| 30 Months | 1.49% | 1.50% | $95,000.00 |
| 36 Months | 1.64% | 1.65% | $95,000.00 |
| 48 Months | 2.13% | 2.15% | $95,000.00 |
| 60 Months | 2.62% | 2.65% | $95,000.00 |
| 72 Months | 2.96% | 3.00% | $95,000.00 |
| 84 Months | 3.30% | 3.35% | $95,000.00 |
All interest rates are rounded to the nearest hundredth of a percent.
* To apply for the product, select "Promo" from the Account Type drop down list, and enter promo code: 15
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