Savings Interest

(Includes Primary, Vacation, Christmas, Summer, Special, Organizational)

A minimum opening deposit of $25 is required in primary savings accounts.

Primary accounts must maintain a minimum balance of $5.

Account Name	Account Balance	Rate	APY*
Primary Savings	$5 to $3000	.50%	.50%
Primary Savings	$3001 and above	.60%	.60%
Christmas Savings	All	.50%	.50%
Summer Savings	All	.50%	.50%
Special Savings	$5 to $3000	.50%	.50%
Special Savings	$3001 and above	.60%	.60%
Organizational Savings	$5 to $3000	.50%	.50%
Organizational Savings	$3001 and above	.60%	.60%
Dividends on Regular Savings: Period--Quarterly Credited--Quarterly Compounded--Quarterly Reviewed periodically by the Board of Directors *Annual Percentage Yield

Share Certificates (Certificates of Deposit)

Term of Certificate	Opening Deposit	Rate	APY*
6 month minimum	$500	1.25%	1.26%
12 month minimum	$1000	2.00%	2.02%
18 month minimum	$1000	2.25%	2.28%
24 month minimum	$1000	2.35%	2.38%
Dividends on Share Certificates: Period--Monthly Credited--Monthly Compounded--Monthly Dividends credited to Primary Savings monthly and may be withdrawn after they are credited account #53 CD Penalty for early withdrawal of principal (See certificate) Additional deposits not allowed Renewal notices sent as end of term approaches Fixed rates Dividends are reviewed periodically by the Board of Directors *Annual Percentage Yield

IRA Savings

Guidelines

Rate

APY*

Maximum $2000 deposit per year

Tax penalty for withdrawals before age 59 1/2

1.00%

1.01%

Dividends on IRA Savings:

Period--Monthly

Credited--Monthly

Compounded--Monthly

Tax penalty for withdrawals before age 59 1/2

Maximum combined deposit (Traditional + Roth IRA) = $3000 each year.

81--Traditional
82--Coverall Education
85--Roth Conversion
86--Roth
*Annual Percentage Yield

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Last updated 9/1/08