Savings Rates: Effective September 1, 2010

Share Savings
Shares Dividend Rate APY*
Primary Shares .25%  .25%
IRA Shares .25% .25%
Shares 7-99  .25%  .25%
Loan Payment  .25%  .25%
Club Accounts .25% .25%
Escrow 1.50% 1.51%
     

Share rates declared monthly.  To earn dividends, $100 minimum balance on Primary shares, $25.00 on IRA Shares, Club accounts and Share accounts 7-99 required. 
*ANNUAL PERCENTAGE YIELD

Checking
  Accelerated Rate APY*
Tier 1 $0.00 - $5,000.00 0.10% 0.10%
Tier 2 $5,000.01 - $10,000.00 0.20% 0.20%
Tier 3 $10,000.01 and greater 0.35% 0.35%
  Advantage Checking Rate APY*
    0.10% 0.10%

Must maintain an average daily balance of $5,000 in the Accelerated Checking and $1,000 in the Advantage Checking to avoid a monthly fee.
*ANNUAL PERCENTAGE YIELD

Money Market
  Maxi Money Market** Rate APY*
Tier 1 $2,500.00 - $9,999.99  .30% .30%
Tier 2 $10,000.00 - $24,999.99  .30% .30%
Tier 3 $25,000.00 - $49,999.99  .35% .35%
Tier 4 $50,000.00 - $99,999.99  .50%  .50%
Tier 5 $100,000.00 and greater   .60%  .60%
  25 Karat Money Market*** Rate APY*
Tier 1 $0.00 to $49,999.99   .50%  .50%
Tier 2 $50,000.00 to $99,999.99   .70% .70%
Tier 3 $100,000.00 and greater   .90%  .90%
       

*ANNUAL PERCENTAGE YIELD
**Balance to earn dividends is $2,500.
***Balance to open account $25,000; dividends earned on $0.01 or greater. If balance falls below $25,000 at any time during the month, a $20 fee will be assessed.

Share Certificates
Term Dividend Rate APY*
3 Months  .40%   .40%
6 Months .60%   .60%
9 Months  .80%   .80%
12 Months 1.00% 1.00%
Tiger Troop (1 year term) 1.00% 1.00%
Extreme Teen (1 year term) 1.00% 1.00%
18 Months 1.09% 1.10%
24 Months 1.44% 1.45%
36 Months 1.98%

2.00%

48 Months 2.23% 2.25%
60 Months 2.47% 2.50%
     

To earn dividends, $1,000 minimum balance required, except for Tiger Troop and Extreme Teen members which is $500.00.
*ANNUAL PERCENTAGE YIELD

 

IRA Share Certificates
Term Dividend Rate APY*
3 Months   .40%  .40%
6 Months    .60%   .60%
9 Months   .80%   .80%
12 Months 1.00% 1.00%
18 Months 1.09% 1.10%
24 Months 1.44% 1.45%
36 Months 1.98% 2.00%
48 Months 2.23% 2.25%
60 Months 2.47% 2.50%
     

$500.00 minimum balance to earn dividends. A certificate dividend penalty may be imposed for early withdrawal and may affect APY*.  Rates are fixed for the term of the share and IRA certificates.
*APY - ANNUAL PERCENTAGE YIELD