Loan Rates | Shares Per Thousand Monthly

Dividends are declared & paid at the end of each quarter for all savings accounts. Dividends are calculated on an average daily balance. All dividends are accurate as of June 30, 2011. There may be a penalty for early withdrawal of share certificates.

SHARE (SAVINGS) CALCULATOR

Dividends Rates
Effective September 1, 2012

Share (Savings) Dividends
Regular Shares ( Savings)	0.15% with 0.15% APY
( MINIMUM DEPOSIT $75.00)
Vacation Clubs	0.10% with 0.10% APY
Holiday Clubs	0.10% with 0.10% APY

Share Certificates
6 Months	0.35% with 0 .35% APY
Minimum $1,000
12 Months	0.35% with 0.35%APY
Minimum $1,000
24 Months	0.50% with 0.50% APY
Minimum $2,500
36 Months	.8% with a .85% APY
Minimum $10,000
IRA	.50% with .50%APY
HSA	.50% with a .50%APY
*Minimum applies. Penalty for early withdrawal. Offer may be withdrawn without notice.

APR = "Annual Percentage Rate"
APY = "Annual Percentage Yield"