Savings Rates

ACCOUNTS – Effective October 1, 2013
APR APY
Regular Share/Christmas Club/Vacation 0.05% 0.05%
IRA Share 0.10% 0.10%
CERTIFICATE RATES – Effective October 1, 2013
Minimum deposit $500.00
Month APR APY
6 .10% .10%
12 .20% .20%
24 .30% .30%
36 .50% .50%
48* .50% .50%
60* .60% .60%

Dividends are compounded and credited quarterly.

*These certificates have a one-time step-up option if rates rise any time during the life of the Certificate.

(*) Certificate rates can also be applied to IRA deposits

APR=Annual Percentage Rate; APY=Annual Percentage Yield

Penalty for withdrawal = three months interest.

Rates subject to change without notice.