Term Shares

Term Share Certificates

Term Share Certificates ($1,000.00 Min.) APR APY
6 Months .84 .85
12 Months 1.04 1.05
18 Months 1.11 1.20
24 Months 1.29 1.30
36 Months 1.44 1.45
48 Months 1.49 1.50
60 Months 1.59 1.60
Jumbo Term Share Certificate($50,000.00 Min.) APR APY
6 Month .89 .90
12 Month 1.09 1.10
18 Month 1.24 1.25
24 Month 1.34 1.35
36 Month 1.49 1.50
48 Month 1.54 1.55
60 Month 1.64 1.65

Early withdrawal penalty.  We may impose a penalty if you withdrawal any of the principal before the maturity date.  Amount of penalty.  For certificate accounts, the amount of the early withdrawal penalty for your account is 90-day dividends.  Dividends on all accounts are calculated on the average Daily Balance and are paid and compounded quarterly.  Rates are subject to change.

Tiered Savings as of 4th Quarter             APR            APY
$100-$2499                                         0.25            0.25
$2,500-$9999                                         0.65            0.65
$10000-$49999                                         1.10             1.10
$50000 and up                                         1.30            1.30
Checking
$500-above                                             0.20           0.20

IRA Certificates

IRA Certificates ($1000.00 Min.) APR APY
6 Months 1.04 1.05
12 Months 1.14 1.15
18 Months 1.34 1.35
24 Months 1.39 1.40
36 Months 1.49 1.50
48 Months 1.59 1.60
60 Months 1.78 1.80
Jumbo IRA Certificates($50,000.00 Min.)
6 Months  1.14  1.15
12 Months 1.24 1.25
18 Months 1.44 1.45
24 Months 1.49 1.50
36 Months 1.59 1.60
48 Months 1.68 1.70
60 Months 1.88 1.90

Early withdrawal penalty.  We may impose a penalty if you withdrawal any of the principal before the maturity date.  Amount of penalty.  For certificate accounts, the amount of the early withdrawal penalty for your account is 90-day dividends.  Dividends on all accounts are calculated on the average Daily Balance and are paid and compounded quarterly.  Rates are subject to change.

Tiered IRA Savings as of  4th  Quarter  Apr       Apy
$100-9,999.99    0.34       0.35
$10,000-24,999.99    0.69       0.70
$25,000-above    0.89       0.90