Deposit Rates

Rates current as of

Product	Minimum Opening Deposit	Interest / Dividend Rate	APY¹
Shares/Savings
Savings	$25.00	0.25%*	0.25%
Holiday Club Account	$5.00	0.25%*	0.25%
Premium Savings ($10,000 - $49,999.99)	$10,000.00	0.60%*	0.60%
Premium Savings ($50,000 and over)	$50,000.00	0.70%*	0.70%
IRAs
Accumulative IRA Accounts ($100 - $9,999)	$100.00	0.55%*	0.55%
Accumulative IRA Accounts ($10,000 - $49,999)	$10,000.00	0.60%*	0.60%
Accumulative IRA Accounts ($50,000 and over)	$50,000.00	0.70%*	0.70%
Checking
No Frills Checking Account	$25.00	0.00%	0.00%
Plus Checking Account	$750.00	0.15%	0.15%
Golden Years Account	$100.00	0.25%	0.25%
Money Market
Money Market Account	$2,500.00	0.50%	0.50%
Premium Money Market Account	$10,000.00	0.60%	0.60%
CDs/IRA CDs
3 Month Share Certificate	$500.00	0.35%	0.35%
6 Month Share Certificate	$500.00	0.60%	0.60%
12 Month Share Certificate	$500.00	0.70%	0.70%
24 Month Share Certificate	$500.00	0.90%	0.90%
36 Month Share Certificate	$500.00	1.20%	1.21%

¹ APY is the Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

* Anticipated dividend rate. Dividends paid quarterly as declared by the board of directors.

** Rates are subject to change at any time without prior notice**