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Deposit Rates

Share Savings Dividend Rate APY
Effective September 1, 2010* 0.49% 0.50%

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice.  Dividends are compounded daily and paid monthly.  Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield.

Share Draft/Checking Dividend Rate APY
Effective September 1, 2010* 0.49% 0.50%

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice.  Dividends are compounded daily and paid monthly.

There are no per transaction or minimum balance fees charged.  Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $25.  The fee to stop payment on a draft is $20.  First box of checks are free to members.  Members purchase their own checks after the first box.  The Share Draft account earns dividends on balances over $250.  If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.

Term Share Certificates Term Dividend Rate APY
Effective September 1, 2010* 6 Month  0.747%  .75%
  12 Month  0.995% 1.00%
  18 Month 1.243% 1.25%
  24 Month 1.44% 1.45%
  36 Month 1.835% 1.85%

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. 

Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn.

Minimum balance of $1,000 is required to open and maintain a certificate account.  Once the certificate is opened, no additions can be made until maturity.

Dividends are compounded monthly and paid monthly or on maturity.  The APYs assume that dividends are retained in the certificate.

Holiday Club Dividend Rate APY
Effective September 1, 2010* 0.49% 0.50%

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice.  Dividends are compounded daily and paid monthly.

No fees are assessed on this account.  No minimum balance is required to open the account.