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Loan Rates    Deposit Rates    Schedule of fees
 
SCHEDULE OF CURRENT DEPOSIT RATES
 Effective December 29, 2011

Share Accounts
Type Of Account Dividend Rate A.P.Y Minimum
SHARE SAVINGS ACCOUNT 0.75% 0.75% $25
DRAFT CHECKING ACCOUNT N/A N/A N/A
CHRISTMAS/VACATION CLUB 0.85% 0.85% $25
IRA ACCUMULATION ACCOUNTS 1.10% 1.11% $25
Dividends paid monthly on Share Accounts on average daily balance


Share Certificates
Type of Account Interest Rate A.P.Y. Minimum
3 MONTH CERTIFICATE/IRA N/A N/A N/A
6 MONTH CERTIFICATE/IRA 0.70% 0.70% $1,000
12 MONTH CERTIFICATE/IRA 0.75% 0.75% $1,000
18 MONTH CERTIFICATE/IRA N/A N/A $1,000
24 MONTH CERTIFICATE/IRA 0.75% 0.75% $1,000
30 MONTH CERTIFICATE/IRA 1.00% 1.00% $1,000
CERTIFICATE SPECIAL 7 MONTHS** 0.75% 0.75% $1,000
CERTIFICATE SPECIAL 13 MONTHS** 1.25% 1.25% $1,000
12 MONTH IRA CD SPECIAL 1.50% 1.50% $1,000
30 MONTH IRA CD SPECIAL 1.90% 1.91% $1,000
**Not available for IRA's
A.P.Y.= Annual Percentage Yield
There are minimum balance requirements and minimum opening deposits.
There are substantial penalties for early withdrawal of Share Certificates.
Fees could reduce the earnings on the account.

 

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