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Second Qtr Dividend Rates. Rate subject to change without notice.

Regular Shares / All other Reg Shares Amount APY* Dividend Rate
$100 - $1,999.99 0.05% 0.05%
$2,000 - $9,999.99 0.05% 0.05%
$10,000 - $29,999.99 0.10% 0.10%
$30,000 Or More 0.10% 0.10%
Minimum to earn stated APY is $100.

Share Certificates Term APY* Dividend Rate

06 Month 3.750% 3.815%

12 Month 4.000% 4.074%

18 Month 4.050% 4.126%

24 Month 4.100% 4.178%

36 Month 3.750% 3.815%

48 Month 3.800% 3.867%

60 Month 3.700% 3.763%

Minimum deposit of $500 required.

IRA Share Savings   APY* Dividend Rate

0.10% 0.10%

Minimum to earn stated apy is $100. Minimum opening deposit $50.00.

IRA Certificates Term APY* Dividend Rate

06 Month 3.750% 3.815%

12 Month 4.000% 4.074%

18 Month 4.050% 4.126%

24 Month 4.100% 4.178%

36 Month 3.750% 3.815%

48 Month 3.800% 3.867%

60 Month 3.700% 3.763%

Minimum deposit of $500 required.

Club Accounts   APY* Rate

Christmas Shares $100.00 – max 1.005% 1.00%

Minimum to earn the stated APY is $100. Early withdrawal from Christmas Shares will result in a penalty of 10% of funds withdrawn with a maximum penalty of $15.00.

Share Draft Accounts   APY* Dividend Rate

0.050% 0.05%

Average Daily Balance of $1,000. or more.

 * APY = Annual Percentage Yield.

**All certificates are subject to penalty for early withdrawal.

Interest rates, dividend rates and corresponding annual percentage yields quoted have been declared by the board of directors.

All rates are subject to change without prior notice. After a share certificate of deposit is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal which is equivalent to 90 days interest on the amount withdrawn.

Fees could reduce earnings on the share and share certificate of deposit accounts.