Share / Savings Accounts
Type	Minimum Deposit	Dividend Rate	APY
Regular Shares	$5.00	0.49%	0.50%
Christmas Shares	$5.00	0.49%	0.50%
Vacation Shares	$5.00	0.49%	0.50%
Money Market	$2,500.00	0.64%	0.65%
IRA	$5.00	0.92%	0.93%

    * $100 minimum deposit to earn interest
    * APY: Annual Percentage Yield
    * Rates are subject to change
    * Dividends compounded daily and paid monthly

Certificates of Deposit
Term	Minimum Deposit	Dividend Rate	APY
6 Months	$1,000.00	0.64%	0.65%
12 Months	$1,000.00	0.84%	0.85%
24 Months	$1,000.00	1.14%	1.15%
36 Months	$1,000.00	1.64%	1.65%

    * APY: Annualy Percentage Yield
    * Rates subject to change
    * Penalty for early withdrawal, 6 months interest
    * Additional deposit not permitted