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Share Rates

Share Rates $25 minimum investment*
Annual Percentage Yield is accurate as of September 30, 2014. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.
Account Type
Minimum Opening
Deposit
Minimum Balance
to Earn APY
Limitations* Dividend Rate Annual Percentage Yield
Regular Share/Savings
$25.00* -- Transfer & Withdrawal* 0.10% 0.10%
Christmas & Vacation Clubs
-- -- Transfer & Withdrawal* 0.10% 0.10%
IRA Savings
$25.00 -- -- 0.30% 0.30%
Share Draft/Checking
-- -- -- 0.05% 0.05%

Dividends will be compounded quarterly and will be credited quarterly.

*A minimum opening deposit of only $25.00 is required for a regular share/savings account.  However, a monthly minimum balance fee of $5.00 will be charged unless account holders maintain a $50 share/savings account balance, or have another account relationship.


Share and IRA Certificate Rates $500 minimum investment

Annual Percentage Yield is accurate as of January 29, 2014. Rates and other terms may change at any time without prior notice. *$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. Additional Deposits NOT allowed.

• Dividends will be compounded daily and will be credited at maturity.

• If you close your share account before dividends are paid, you will not receive the accrued dividends.

Terms
Dividend Rate Annual Percentage Yield Renewable
SHARE - 06 months
0.20% 0.20% Automatic
SHARE - 12 months
0.40% 0.40% Automatic
SHARE - 24 months
0.75% 0.75% Automatic
SHARE - 36 months
1.00% 1.01% Automatic
IRA - 06 months
0.20% 0.20% Automatic
IRA - 12 months
0.40% 0.40% Automatic
IRA - 24 months
0.75% 0.75% Automatic
IRA - 36 months
1.00% 1.01% Automatic
* For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.
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