Current Share Rates
SHARE SAVINGS
Effective as of 02/01/10
Dividend Rate
APY*
Balance under $2,000 
0.10%
0.10%
Balance $2,000 to $4,999.99
0.15%
0.15%
Balance Over $5,000 to $9,999.99
0.20%
0.20%
Balance Over $10,000 to $19,999.99
0.25%
0.25%
Balance Over $20,000
0.30%
0.30%
*APY is the Annual Percentage Yield.


HOLIDAY CLUB
Effective as of 02/01/10
Dividend Rate
APY*
 
1.00%
1.00%


MONEY MARKET
Effective as of 02/01/10
Dividend Rate
APY*
Less Than $2,000.00
0.00%
0.00%
$2,000.00-$9,999.99
0.75%
0.75%
$10,000.00 - $19,999.99
1.00%
1.00%
$20,000 - $49,999.99
1.29%
1.30%
$50,000 and up
1.69%
1.70%


FREE DIRECT CHECKING
Effective as of 02/01/10
Dividend Rate
APY*
Balances Less Than $3,000.00
0.10%
0.10%
Balances $3,000.00-$24,999.99
0.40%
0.40%
Balances $25,000.00 - $49,999.99
0.65%
0.65%
Balances $50,000 - $74,999.99
0.90%
0.90%
Balances $75,000 & Up
1.19%
1.20%


CERTIFICATES
Effective as of 02/01/10
Dividend Rate
APY*
 
03 Month ($250 Minimum Deposit)

0.75%

0.75%

06 Month ($250 Minimum Deposit)
1.04%
1.05%
09 Month ($250 Minimum Deposit)
1.39%
1.40%
12 Month ($250 Minimum Deposit)
1.64%
1.65%
18 Month ($250 Minimum Deposit)
1.69%
1.70%
24 Month ($250 Minimum Deposit)
1.93%
1.95%
30 Month ($250 Minimum Deposit)

2.13%

2.15%

36 Month ($250 Minimum Deposit)
2.33%
2.35%
42 Month ($250 Minimum Deposit)

2.47%

2.50%

48 Month ($250 Minimum Deposit)

2.62%

2.65%

60 Month ($250 Minimum Deposit)

2.86%

2.90%

120 Month ($250 Minimum Deposit)

3.20%

3.25%

*APY is the Annual Percentage Yield.

Higher yields available on balances greater than $10,000. Contact Us for details.



IRA CERTIFICATES
Effective as of 02/01/10
Dividend Rate
APY*
12 Months ($10,000 Minimum Deposit)
1.79%
1.80%
24 Month ($250 Minimum Deposit)
1.98%
2.00%
36 Month ($250 Minimum Deposit)
2.37%
2.40%
48 Month ($250 Minimum Deposit)
2.67%
2.70%

Other rates and terms available. Contact Us for details.