Share Rates

Share Accounts  
Account Type Minimum Balance Dividend Rate APY Effective Date
Share Savings $5.00 .50% .50% July 1, 2010
Share Draft None 0.00% 0.00% July 1, 2010
Christmas Club None .50% .50% July 1, 2010
All Purpose Club None .50% .50% July 1, 2010
Traditional IRA None 1.50% 1.51% July 1, 2010
Roth IRA None 1.50% 1.51% July 1, 2010
Money Market $5.00 .30% .30% July 1, 2010
Money Market $2000 .49% .50% July 1, 2010
Money Market $5000 .74% .75% July 1, 2010
Money Market $10,000 .99% 1.00% July 1, 2010

APY - Annual Percentage Yield. Fees could reduce the earnings on the account.  A penalty will or may be imposed for early withdrawal.  All rates subject to change without notice.

Term Share Certificates  
Term Balances Dividend Rate APY Effective Date
6 Months < 10k .74% .75% July 1, 2010
6 Months > 10k  < 50k .99% 1.00% July 1, 2010
6 Months > 50k 1.25% 1.26% July 1, 2010
1 Year < 10k 1.25% 1.26% July 1, 2010
1 Year > 10k  < 50k 1.41% 1.42% July 1, 2010
1 Year > 50k  1.61% 1.62% July 1, 2010
2 Years < 10k  1.41% 1.42% July 1, 2010
2 Years > 10k  < 50k  1.62% 1.63% July 1, 2010
2 Years > 50k  2.02% 2.04% July 1, 2010
3 Years < 10k  2.27% 2.29% July 1, 2010
3 Years > 10k  < 50k  2.36% 2.39% July 1, 2010
3 Years > 50k  2.52% 2.55% July 1, 2010
4 Years < 10k  2.27% 2.29% July 1, 2010
4 Years > 10k  < 50k   2.36%  2.39% July 1, 2010
4 Years > 50k  2.62% 2.65% July 1, 2010
5 Years < 10k  2.72% 2.75% July 1, 2010
5 Years > 10k  < 50k  2.81% 2.85% July 1, 2010
5 Years > 50k  2.96% 3.00% July 1, 2010

Minimum Balance for all share certificates is $1,000.   APY - Annual Percentage Yield. APY assumes dividends compounded monthly to the certificate. k - means a multiple of $1000 i.e. 10k equals $10,000.   Fees could reduce the earnings on the account.  A penalty will or may be imposed for early withdrawal.  All rates subject to change without notice.  Call (860) 522-0899 for details.