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Savings Rates
As of March 4, 2010
Rates subject to change without notice.
Prime Rate: 3.25%

Current Rate Current APY*
Regular Share Accounts 0.40% 0.40%
Summer Share Accounts 0.40% 0.40%
Vacation Share Accounts 0.40% 0.40%
Holiday Club Accounts 0.40% 0.40%
Share Draft Accounts 0.14% 0.15%
Education Individual Retirement Share Accounts 0.50% 0.50%

Traditional and Roth Individual Retirement Share Accounts - Tiered Rates
$ 0 to $ 2,499.99 0.50% 0.50%
$ 2,500 to $ 9,999.99 0.55% 0.55%

$ 10,000 to $24,999.99

0.80% 0.80%

$ 25,000 to $49,999.99

1.09%

1.10%
$ 50,000 & Over 1.19% 1.20%

Money Market Checking/Savings Accounts - Tiered Rates. Minimum balance of $2,000 to earn interest.
$ 2,000 to $ 9,999.99 0.50% 0.50%
$ 10,000 to $ 24,999.99 0.75%

0.75%

$ 25,000 to $ 49,999.99 1.04% 1.05%

$ 50,000 to $149,999.99

1.14%

1.15%
$ 150,000 & Over 1.24% 1.25%

Share Certificates
Term Current Rate Current APY*
3 month 0.50% 0.50%
6 month 0.75% 0.75%

12 month

1.10% 

1.11%

15-Month SPECIAL

1.37% 

1.38%

18 month 1.34% 1.35%
24 month 1.74% 1.75%
30 month 1.98% 2.00%
36 month 2.18% 2.20%
48 month 2.57% 2.60%
60 month 2.81% 2.85%
Minimum Balance to open a Share Certificate is $500. For IRA certificates add 20 basis points to the current listed rate - includes Traditional, Roth and Education IRA's with the exception of 15 month special. Share Certificates are subject to an early withdrawal penalty.

*Annual Percentage Yield.
Fees may reduce earnings.