DIVIDENDS

Effective 4/1 - 6/30/10

     
Natural Person Accounts   Rate 0.50%* APY 0.50%*
Association Accounts   Rate 0.20% APY 0.20%
Checking Accounts   Rate 0.00% APY 0.00%
*share the profits bonus dividend      

Effective 6/28/10

     
Term Share Accounts (CD's) 6 Month Rate 0.95% APY 0.95%
  1 Year Rate 1.20% APY 1.21%
  2 Years Rate 1.55% APY 1.56%
  3 Years Rate 1.80% APY 1.81%
       

Effective 6/1 - 6/30/10

     
Money Market Accounts Silver (minimum $10,000) Rate 0.75% APY 0.75%
  Gold (minimum $25,000) Rate 0.95% APY 0.95%
  Platinum (min. $50,000) Rate 1.25% APY 1.26%
       
 
~APY = Annual Percentage Yield
~The minimum balance for a term share certificate is $2500.00
~The early withdrawal penalty for a 6 or 12 month Term share certificate is 90 days interest.
~The early withdrawal penalty for a 2 year or 3 year term share certificate is 180 days interest.
~Any fee imposed on an account will reduce the effective dividend rate.
~Money market rates are determined and paid on a monthly basis.