Savings Rates
Account rates and yields effective as of October 1, 2010
Share & Holiday Club Dividends
| Balance | Rate | Yield |
| $100.00 – $2,499.99 | 0.20% | 0.20% APY |
| $2,500.00 – $9,999.99 | 0.30% | 0.30% APY |
| $10,000.00 and up | 0.40% | 0.40% APY |
Dividends on Shares and Holiday Club Accounts are earned on the average daily balance and paid quarterly. Annual Percentage Yield (APY) assumes that dividends remain on deposit for one year. Rates quoted are those paid at the most recent quarter end and expected to be paid for the current quarter. However, because dividends are paid out of current income and established quarterly by the Board of Directors, rates are not guaranteed for the current quarter.
Share Draft Accounts
| Balance | Rate | Yield |
| $1,000.00 and up (average daily balance) | 0.20% | 0.20% APY |
Term Share Certificates
| Term | Rate | Yield |
| One Year | 0.45% | 0.45% APY |
| Two Years | 0.75% | 0.75% APY |
Minimum deposit $1,000.00. Dividends credited quarterly and must be left on deposit to earn stated APY. Rates are subject to change without advance notice and reflect are market conditions.
Rate for a certificate is established on the date that the certificate is opened. The rate is constant for the term of the certificate. Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.
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