Virtual Branch

Share & Certificates

Share Rates - Dividends
Regular Share'  $5 opening deposit .05% APY* .05% APR
Super Share'  minimum balance $20,000** .20% APY .20% APR
Premier Checking'  minimum balance $1,000 .05% APY .05% APR
Christmas Club' maximum deposit $1,500*** 1.00% APY 1.00% APR
Summer Saver' .35% APY .35% APR
IRA Share' .35% APY .35% APR
Dividends paid monthly based on the average daily balance. Rates and terms quoted
are subject to change without notice and are effictive as of April 25, 2013.
* Annual Percentage Yield
**Balances less than $20,000 will earn Regular Share rate.
***Balances over $1,500 will earn regular share rate.
'Fees may reduce earnings on account.
Certificate Rates - Dividends**
06 Month Certificate .30% APY* .30% APR
12 Month Certificate .40% APY .40% APR
18 Month Certificate .45% APY .45% APR
24 Month Certificate .55% APY .55% APR
30 Month Certificate .60% APY .60% APR
36 Month Certificate .60% APY .60% APR
Dividends paid on average daily balance. Minimum balance for certificates is $500.
* Annual Percentage Yield
**Substantial penalty for early withdrawal.

 Please visit our Disclosures page for additional information regarding our accounts.

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