Checking & Savings Rates

APR - Annual Percentage Rate
APY - Annual Percentage Yield Click here for a printer friendly rate sheet.

Type	Features	Dividend Rate	APY
Savings - Tier 1	$100 - $2,999.99	0.15%	0.15%
Savings - Tier 2	$3,000 to $24,999.99	0.25%	0.25%
Savings - Tier 3	$25,000 and up	0.50%	0.50%
Christmas Savers*	Funds available on 10/01/09	0.50%	0.50%
Checking	Dividends paid on daily balances over $1,000	0.25%	0.25%
Share IRA	Minimum Balance $25	1.35%	1.35%
Certificate - 6 Months*	Minimum Balance of $2,500	.95%	.95%
Certificate - 12 Months*	Minimum Balance of $2,500	1.20%	1.20%
Certificate - 24 Months*	Minimum Balance of $2,500	1.50%	1.50%
Certificate - 36 Months*	Minimum Balance of $2,500	1.75%	1.75%
Money Market-Tier 1**	$0-$24,999	.75%	.75%
Money Market - Tier 2**	$25,000-$49,999	.90%	.90%
Money Market - Tier 3**	$50,000+	1.25%	1.25%
IRA Certificate - 12 Months*	Minimums: Roth & Trad. $1,000; Educational $500	1.50%	1.51%
IRA Certificate - 24 Months*	Minimums: Roth & Trad. $1,000; Educational $500	2.00%	2.01%
IRA Certificate - 36 Months*	Minimums: Roth & Trad. $1,000; Educational $500	2.25%	2.27%
Compounding Certificate - 6 Months*	Minimum Balance of 2,500	.95%	.95%
Compounding Certificate - 12 Months*	Minimum Balance of $2,500	1.20%	1.20%
Compounding Certificate - 24 Months*	Minimum Balance of $2,500	1.50%	1.51%
Compounding Certificate - 36 Months*	Minimum Balance of $2,500	1.75%	1.76%

* Rates as of 3/1/10 and subject to change at any time.
*Dividends computed based on daily balance and paid quarterly for all share products.
*Certificates,Special Share Certificates and Christmas Savers are subject to early withdrawal penalties.
**$2500 Minimum to Open, $15 per Month Fee if the Average Daily Balance falls below $2500, Limit of Six Withdrawals or Transfers per Month, Contact Member Services for Complete Details.