Savings Rates

Rates are current as of January 1, 2013, and are subject to change.
(APY = Annual Percentage Yield)

Share Savings
Average Balance	Dividend Rate	APY
$5 and Over	0.05%	0.05%
Rates may change after the account is opened.

Money Market Share Account ($2,500 to Open)
Average Balance	Dividend Rate	APY
$2,500 and over	0.15%	0.15%
Rates may change after the account is opened.

Checking
Average Balance	Dividend Rate	APY
$1,000 and Over	0.05%	0.05%
Rates may change after the account is opened.

Share Certificates / IRA Share Certificates ($500 Minimum)
Term	Dividend Rate	APY
3 - 5 Months	0.05%	0.05%
6 - 11 Months	0.10%	0.10%
12 - 17 Months	0.25%	0.25%
18 - 23 Months	0.30%	0.30%
24 - 35 Months	0.50%	0.50%
36 - 47 Months	0.75%	0.75%
48 - 59 Months	1.00%	1.00%
60 Months +	1.00%	1.00%
Penalty may be imposed for early withdrawal. A withdrawal will reduce earnings.

IRA Share Savings
Average Balance	Dividend Rate	APY
$1 and Over Rates may change after the account is opened.	0.15%	0.15%