Deposit Accounts

Share dividends are declared by the Board of Directors effective the end of each quarter and are posted to your account on the first day of the next month.

Share/Special Savings/Christmas Club/Extreme Teen/Scottie Savers

Minimum Balance Rate APY*
$100 - $1,999 0.25% 0.25%
$2,000 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.75% 0.75%
$10,000 and above 1.00% 1.00%

*Annual Percentage Yield.
Rates are subject to change without notice.  Dividends last declared 6/30/2011.

Share Certificates

Term Rate APY*
6 month 0.70% 0.70%
12 month 0.90% 0.90%
24 month 1.29% 1.30%
36 month 1.59% 1.60%
48 month 1.99% 2.00%
60 month 2.18% 2.20%

*Annual Percentage Yield.
Rates are subject to change without notice. Rates last updated 1/4/2012.

IRA Shares

Minimum Balance Rate APY*
$100 - $1,999 0.25% 0.25%
$2,000 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.75% 0.75%
$10,000 and above 1.00% 1.00%

*Annual Percentage Yield.
Rates are subject to change without notice.  Dividends last declared 6/30/2011.

IRA Certificates

Term Rate APY*
6 month 0.70% 0.70%
12 month 0.90% 0.90%
24 month 1.29% 1.30%
36 month 1.59% 1.60%
48 month 1.99% 2.00%
60 month 2.18% 2.20%

*Annual Percentage Yield.
Rates are subject to change without notice. Rates last updated 1/4/2012.

Share Draft/Checking

Share draft dividends are declared by the Board of Directors effective the end of each quarter and are posted to your account on the first day of the next month. Dividends are paid on the following share draft types: Regular, Performance, and Prime-timers.

Minimum Balance Rate APY*
$500 - $1,999 0.25% 0.25%
$2,000 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.75% 0.75%
$10,000 and above 1.00% 1.00%

*Annual Percentage Yield.
Rates are subject to change without notice.  Dividends last declared 6/30/2011.

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