Savings Rates

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Savings Rates

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Rates are effective Sept. 28, 2011 and are subject to change


Savings Accounts (rates are subject to change daily)	Dividend Rate	Annual Percentage Yield
Share Savings ($ 5.00 minimum balance required)	.30%	.30% APY
Christmas (NO minimum deposit required/Penalty will be imposed for early withdraw)	.30%	.30% APY
Vacation Club Account (No minimum deposit required)	.30%	.30% APY
Share Draft (NO minimum deposit required)	.15%	.15% APY
Insured Money Market Account (Minimum balance to earn the stated APY is $2500.00)	.40%	.40% APY
Daily IRA & Daily HSA	.40%	.40% APY

Rate may change after account is opened

Fees could reduce earnings on account

Certificates of Deposit   & IRA Accounts

(Rates are subject to change daily, dividends are compounded daily and credited monthly, and the dividend period is monthly.)

Term of Investment

Dividend Rate

Annual Percentage Yield

Minimum Deposit

6 Month

      .40%

           .40%

$500

12 Month

      .65%

           .65%

$500

18 Month

      .80%

           .80%

$500

24 Month

     1.00%

          1.00%

$500

30 Month

     1.15%

          1.15%

$500

36 Month

    1.35%

          1.35%

$500

Penalty will be imposed for early withdraw

Member Loyalty Incentive Program

(Rates are subject to change daily, dividends are compounded and credited monthly, and the dividend period is monthly.)

Term of Investment

Dividend Rate

Annual Percentage Yield

Minimum Deposit

6 Month Renewal

       .65%

           .65%

$500

12 Month Renewal

       .90%

           .90%

$500

18 Month Renewal

      1.05%

          1.05%

$500

24 Month Renewal

      1.25%

          1.25%

$500

30 Month Renewal

      1.40%

          1.40%

$500

36 Month Renewal

      1.60%

          1.60%

$500

Penalty will be imposed for early withdraw