Savings Rates

Effective January 1, 2013

Regular Share Savings Account Rates

Annual Balance Range
Dividend Rate
Annual
Percentage Yield
Minimum to
Earn APY
Over $5.00
.05%
.05%
$100.01

Dividends are compounded and credited quarterly


Holiday/Vacation Club Rates

Annual Balance Range
Dividend Rate
Annual
Percentage Yield
Minimum to
Earn APY
Over $5.00
.05%
.05%
$100.01

Dividends are compounded and credited quarterly.

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Money Market Rates

Annual Balance Range
Dividend Rate
Annual
Percentage Yield
$2,500 - 9,999
0.05%
0.05%
$10,000 - 24,999
0.07%
0.07%
$25,000 - 49,999
0.10%
0.10%
Over $50,000
0.12%
0.12%

Dividends are compounded and credited monthly.

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Term Share Certificates of Deposit* Rates

Term
Dividend
Rate
Annual
Percentage
Yield
Platinum**
Dividend
Rate
Annual
Percentage
Yield
6 months
0.10%
0.10%
12 months
(Super Saver)
0.10%
0.10%
12 months
0.15%
0.15%
24 months
0.20%
0.20%
36 months
0.35%
0.35%
48 months
0.45%
0.45%
60 months
0.65%
0.65%


Rates are subject to change without notice. Rates may change at any time.
Rates are fixed for the term of the certificate.
Dividends are compounded and credited monthly.

**Platinum Rates are not available at this time.

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Individual Retirement Account Rates

Account Type
Dividend Rate
Annual
Percentage Yield
Traditional
0.05%
0.05%
Roth
0.05%
0.05%
Educational
0.05%
0.05%

Dividends are compounded and credited monthly.

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IRA Certificates of Deposit* Rates (Traditional, Roth & Educational)

Term
Dividend
Rate
Annual
Percentage
Yield
Platinum**
Dividend
Rate
Annual
Percentage
Yield
6 months
0.10%
0.10%
12 months
0.15%
0.15%
24 months
0.20%
0.20%
36 months
0.35%
0.35%
48 months
0.45%
0.45%
60 months
0.65%
0.65%

Rates are subject to change without notice. Rates may change at any time.
Rates are fixed for the term of the certificate.
Dividends are compounded and credited monthly.

* Early withdrawal penalties (a penalty may be imposed for early withdrawals before maturity)
If your account has an original maturity of six or twelve months: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to the penalty.
If your account has an original maturity of 24, 36, 48, or 60 months: The penalty we may impose will be equal to six months dividends on the amount withdrawn subject to penalty.

**Platinum Rate are not available at this time.

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