Share Rates
Annual Percentage Yields valid as of February 1, 2012
Money Market Savings
| Daily Balance | Annual Percentage Yield | Dividend Rate |
| $50,000+ | 0.30% | 0.30% |
| $25,000 - $49,999.99 | 0.25% | 0.25% |
| $10,000 -$24,999.99 | 0.15% | 0.15% |
| $2,500 - $9,999.99 | 0.12% | 0.12% |
Dividends are compounded monthly. There is no minimum to open.
Balances under $2,500 do not earn dividends. The APY offered is subject to change without notice.
Premium Money Market Savings
| Daily Balance | Annual Percentage Yield | Dividend Rate |
| $150,000+ | 0.50% | 0.50% |
| $75,000 - $149,999.99 | 0.40% | 0.40% |
Dividends compounded monthly. There is no minimum to open. Balances under $75,000 do not earn dividends.
The APY offered is subject to change without notice.
Share Certificates & IRAs
| Term | Annual Percentage Yield | Dividend Rate |
| 3 month | 0.20% | 0.20% |
| 6 month | 0.25% | 0.25% |
| 12 month | 0.40% | 0.40% |
| 18 month | 0.50% | 0.50% |
| 24 month | 0.70% | 0.70% |
| 30 month | 0.85% | 0.85% |
| 36 month | 0.90% | 0.90% |
| 48 month | 1.10% | 1.09% |
| 60 month | 1.50% | 1.49% |
Rates are set weekly. Dividends are compounded monthly. Minimum balance of $500 on Share Certificates.
Minimum balance of $250 on IRA Certificates. All certificate terms are eligible for IRAs (except for the 3 month).
A penalty for early withdrawal may be imposed.The APY offered is subject to change without notice.
Share Savings Accounts
Primary Share Savings, Secondary Share Savings, IRA Share Savings, Club Accounts
| Annual Percentage Yield | Dividend Rate |
| 0.10% | 0.10% |
Dividends compounded monthly. Minimum balance of $5 on primary share savings, only.
Competitive rates are set monthly. Fees may reduce earnings on this account.
Choice Checking
| Annual Percentage Yield | Dividend Rate |
| 0.05% | 0.05% |
Competitive rates are set monthly. Earn dividends if average daily balance is greater than $1,000.
No monthly service charge with Direct Deposit, First OnLine Bill Payment Service, or if you maintain
a $1,000 average daily balance. Dividends are compounded monthly. $25 minimum to open.
Fees may reduce earnings on this account.
