Deposit Accounts - Effective 4/21/10 APY1 Minimum Balance
Share Account
Regular Shares 0.25% $5.00
Club Accounts
Holiday Club 0.25% none
Vacation Club 0.25% none
All-Purpose Club 0.25% none
Share Certificates
6 month 0.75% $500
12 month 0.90% $500
18 month 1.35% $500
24 month 1.60% $500
36 month 2.25% $500
48 month 2.75% $500
60 month 3.00% $500
IRA
Shares (Accumulator) 0.25% none
IRA Share Certificates
12 month IRA 0.90% $250
24 month IRA 1.60% $250
36 month IRA 2.25% $250
48 month IRA 2.75% $250
60 month IRA 3.00% $250

1Annual Percentage Yield

A dividend penalty may or will be imposed for early withdrawals from Share Certificates equal to 90 days dividends.

Dividends are credited on the first day following the end of each calendar quarter.

All rates are subject to change without notice.