| | | |  |  | SHARE RATES | | Share Rates | Annual Percentage Yield is accurate as of December 29, 2011. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. | Account Type | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | Annual Percentage Yield | Regular Shares <$4,000.00 | $5.00 | $100.00 | 0.25% | 0.25% | Regular Shares >$4,000.00 | $5.00 | $100.00 | 0.30% | 0.30% | Christmas Club | $5.00 | $100.00 | 0.25% | 0.25% | Vacation Club | $5.00 | $100.00 | 0.25% | 0.25% | Christmas Club II | $5.00 | $100.00 | 1.00% | 1.00% | Share Draft | $5.00 | $500.00 | 0.25% | 0.25% | Variable IRA Shares | $5.00 | $100.00 | 0.449% | 0.45% | Money Market Super Share <$10,000.00 | $5.00 | $100.00 | 0.349% | 0.35% | Money Market Super Share >$10,000.00 | $5.00 | $100.00 | 0.399% | 0.40% | | |
| Regular & IRA Certificates | Annual Percentage Yield is accurate as of February 1, 2012. Rates and other terms may change at any time without prior notice. *$1000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
- Dividends will be compounded quarterly and will be credited quarterly.
- If you close your share account before dividends are paid, you will not receive the accrued dividends.
| Account Type | Dividend Rate | APY | Term | 6 Month Share Certificate - $1,000 to $39,999.99 | 0.399% | 0.40% | 6 | 6 Month Share Certificate - $40,000 to $99,999.99 | 0.429% | 0.43% | 6 | 6 Month Share Certificate - $100,000 and over | 0.449% | 0.45% | 6 | 1 Year Share Certificate - $1000 to $39,999.99 | 0.499% | 0.50% | 12 | 1 Year Share Certificate - $40,000 to $99,999.99 | 0.529% | 0.53% | 12 | 1 Year Share Certificate - $100,000 and over | 0.549% | 0.55% | 12 | 2 Year Share Certificate - $1000 to $39,999.99 | 0.897% | 0.90% | 24 | 2 Year Share Certificate - $40,000 to $99,999.99 | 0.927% | 0.93% | 24 | 2 Year Share Certificate - $100,000 and over | 0.947% | 0.95% | 24 | | *APY = Annual Percentage Yield | | | |  | |  |
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