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DIVIDENDS
Dividends are declared by the Board of Directors and reflect current earnings.
We may offer different rates in the future. APY means Annual Percentage Yield
| Certificate Rates - Effective Monday, February 6, 2012 |
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| Certificate Term | APY | Minimum Deposit |
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| 6 MONTH SHARE CERTIFICATE | 0.300% | $1,000.00 |
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| 12 MONTH SHARE CERTIFICATE | 0.500% | $1,000.00 |
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| 24 MONTH SHARE CERTIFICATE | 0.850% | $1,000.00 |
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| 36 MONTH SHARE CERTIFICATE | 1.500% | $1,000.00 |
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| 48 MONTH SHARE CERTIFICATE | 2.250% | $1,000.00 |
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| 60 MONTH SHARE CERTIFICATE | 2.500% | $1,000.00 |
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| 6 MONTH IRA CERTIFICATE | 0.300% | $1,000.00 |
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| 12 MONTH IRA CERTIFICATE | 0.500% | $1,000.00 |
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| 24 MONTH IRA CERTIFICATE | 0.850% | $1,000.00 |
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| 36 MONTH IRA CERTIFICATE | 1.500% | $1,000.00 |
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| 48 MONTH IRA CERTIFICATE | 2.250% | $1,000.00 |
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| 60 MONTH IRA CERTIFICATE | 2.500% | $1,000.00 |
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Penalty for early withdrawals.
| Savings Rates - Effective Monday, November 1, 2010 |
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| Account Type | APR | APY | Minimum
Deposit | Minimum
Balance |
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| SAVINGS | 0.100% | 0.100% | $5.00 | $5.00 |
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| SAVINGS | 0.100% | 0.100% | $5.00 | $5,000.00 |
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| SAVINGS | 0.100% | 0.100% | $5.00 | $25,000.00 |
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| WEALTH BUILDER | 2.000% | 2.020% | $0.00 | $0.00 |
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| WEALTH BUILDER | 0.100% | 0.100% | $0.00 | $3,500.00 |
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| WEALTH BUILDER | 0.100% | 0.100% | $0.00 | $5,000.00 |
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| WEALTH BUILDER | 0.100% | 0.100% | $0.00 | $25,000.00 |
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| HOLIDAY CLUB | 0.250% | 0.250% | $0.00 | $0.00 |
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| MONEY MARKET | 0.100% | 0.100% | $50.00 | $2,500.00 |
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| MONEY MARKET | 0.150% | 0.150% | $50.00 | $10,000.00 |
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| MONEY MARKET | 0.250% | 0.250% | $50.00 | $25,000.00 |
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| MONEY MARKET | 0.400% | 0.400% | $50.00 | $50,000.00 |
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| MONEY MARKET | 0.600% | 0.600% | $50.00 | $100,000.00 |
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| TRADITIONAL IRA | 0.100% | 0.100% | $0.00 | $0.00 |
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| TRADITIONAL IRA | 0.250% | 0.250% | $0.00 | $5,000.00 |
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| TRADITIONAL IRA | 0.300% | 0.300% | $0.00 | $25,000.00 |
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| ROTH IRA | 0.100% | 0.100% | $0.00 | $0.00 |
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| ROTH IRA | 0.250% | 0.250% | $0.00 | $5,000.00 |
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| ROTH IRA | 0.300% | 0.300% | $0.00 | $25,000.00 |
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| COVERDELL EDUCATION SAVINGS | 0.500% | 0.500% | $0.00 | $0.00 |
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| FREE CHECKING | 0.000% | 0.000% | $50.00 | $0.00 |
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| CHECKLESS CHECKING | 0.000% | 0.000% | $25.00 | $0.00 |
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| CHECKING PLUS | 0.100% | 0.100% | $50.00 | $0.00 |
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| HIGH YIELD CHECKING | 0.100% | 0.100% | $50.00 | $0.00 |
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| HIGH YIELD CHECKING | 0.150% | 0.150% | $50.00 | $10,000.00 |
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Fees may reduce earnings. Rate may change after the account is opened.
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