Rates effective as of May 12, 2010.

*SHARE CERTIFICATE RATES & IRA CERTIFICATE RATES
TERM
DIVIDENDS PAID
MINIMUM DEPOSIT
RATE

APY

(Annual Percentage Yield)

90 Days (1-180 Days)
MATURITY
$500 1.00% 1.00%
6 Months
MATURITY
$500

1.26%

1.26%
12 Months
MONTHLY
$500 1.78% 1.80%
18 Months
MONTHLY
$500 1.93% 1.95%
24 Months
MONTHLY
$500 2.23% 2.25%
36 Months
MONTHLY
$500 2.58% 2.61%
60 Months
MONTHLY
$500 3.01% 3.05%
**SHARE ACCOUNT RATES
ACCOUNT TYPE
DIVIDENDS PAID
RATE TIERS
RATE

APY

(Annual Percentage Yield)

Regular Shares

MONTHLY

$0 - $99.99

--------------------

$100.00 - $500.00

--------------------

$500.01 & Up

 None

-------------------

.25%

-------------------

.50%

None

--------------------

.25%

--------------------

.50%

*IRA Regular Deposit Account
MONTHLY
$50.00 .50% .50%
Share Draft/Checking
MONTHLY
NO MINIMUM .25% .25%
Christmas Club
MONTHLY
NO MINIMUM .50% .50%
Vacation Club
MONTHLY
NO MINIMUM .50% .50%
***Escrow Savings
MONTHLY
NO MINIMUM .25% .25%
Preferred Money Market
MONTHLY

$0 - $2,499

--------------------

$2,500 - $24,999

--------------------

$25,000 & Up

 None

-------------------

.80%

-------------------

1.00%

None

--------------------

.80%

--------------------

1.00%

*$500.00 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.

  • Substantial penalty required for early withdrawal of share certificate accounts and IRA accounts before age 59 1/2.

**Rates and other terms may change at any time without prior notice and are declared monthly by the Board of Directors at the end of each month.

***This account type is no longer available.  Existing accounts will be honored for the life of the account.

All deposits are insured up to $250,000 by NCUA (National Credit Union Administration), a U.S. government agency.  IRA's (Individual Retirement Accounts) are separately insured up to an additional $250,000 by NCUA.

For additional information regarding the above accounts, please refer to the Truth-in-Savings Account Disclosures.

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