SAVINGS RATES

Dividend Rates and Annual Percentage Yields — APY
(Rates subject to change without notice.)
Dividend

Regular Shares – Effective 08/1/11
(Minimum balance to earn dividend - $25.00)
Rate
APY
Share Savings (Rates may change after account is opened.)
.30%
.30%
Holiday Club
.30%
.30%
Goalsetter Club Account
.30%
.30%
IRA Share Savings
.30%
.30%

Certificates – Effective 7/18/11
(Minimum deposit $500.00)
Substantial penalty for early withdrawal could reduce earnings on the account.
Share Certificate and IRA Certificate
3-month
.40%
.40%
6-month
.50%
.50%
1-year
.60%
.60%
2-year
.80%
.80%
3-year
1.00%
1.00%
4-year
1.24%
1.25%
Substantial penalty for early withdrawal.