Share Rates Primary, Secondary, and Club Account Christmas Account Checking Account Money Market Share Certificate Super Money Market Loan Rates Unsecured Loan Secured Loan Primary Share Account, Secondary Share Account,  and Club Account Rates Annual Percentage Yield on primary, secondary, club accounts:  0.50% as of the last dividend period. Dividends Compounded & Credited:  Quarterly. Dividend Period:  Calendar Quarter. Minimum Opening Balance:  $5.00 Minimum Balance to Earn the Stated APY:  $100.00 Balance Method:  Average Daily Balance. Minimum Balance Fee:  $5 per month after 6 months. Early Closure Fee:  $10 within 3 months of opening. Excessive Withdrawal Fee:  $2 per over-the-counter withdrawal after 3rd monthly withdrawal. Inactive Account Fee:  $5 per month, after 1 year. Stop Payment Fee:  $25 per item. Mail Return Fee:  $2 per item. Check Copy Fee:  $2.50 per item. Account limitations:  No more than 6 preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours, or to a third party in any month, and no more than 3 of these may be made by check, draft, or debit card to a third party. Fees could reduce earnings on the account.     Back to Top

Christmas Account Rates Dividends Compounded:  Annually Dividends Credited:  Annually Dividend Yield:  3% APY as of September 30, 2007. Dividend Period:  Annual (October1-September 30) Minimum Opening Deposit:  $5.00 Minimum Balance to Earn the Stated APY:  $100 Balance Method:  Average Daily Balance Account Limitations:  The entire balance will be paid to you by check or transferred to another account of yours on or after September 30 and the account will remain open. If you withdraw any of the account balance at any time, you may be charged a withdrawal fee of $5.00 and your account will be closed. Fees could reduce earnings on the account. Back to Top

Checking Account Rates Annual Percentage Yield:  0.20% as of the last dividend period. Dividend Compounded: Quarterly Dividends Credited:  Quarterly Dividend Period:  Calendar Quarter Minimum Opening Balance:  $0.00 Minimum Balance to Avoid a Service Fee:  $0.00 Minimum Balance to Earn the Stated APY:  $300 Balance Method:  Average Daily Balance Fees could reduce earnings on the account. Back to Top

Share Certificate Rates Terms Minumum Open Balance APR* 6 Months $2,000 2.00% 12 Months $2,000 2.25% 12 Months $50,000 3.00% 18 Months $5,000 2.50% 24 Months $5,000 2.75% *APR = Annual Percentage Rate A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Back to Top

Super Money Market Rates Rates, fees and conditions are the same as the Money Market Certificate except, the rate is 1% APY and dividends are not paid on funds withdrawn prior to dividend payment date. Fees could reduce earnings on the account. Back to Top

Money Market Rates Annual Percentage Yield:  0.50% as of the last dividend period Dividend Period:  Monthly Minimum Open Balance:  $2,000 Maximum Balance:  $100,000 Minimum Balance to Avoid Service Fee:  $2,000. Minimum Balance to Earn the Stated APY:  $2,000 Balance Method: Average Daily Balance Account Limitations: Minimum transfer and withdrawal amount is $500. No minimum deposit amount is required after the account is opened. ATM access is not allowed. There is no fee or charge to open, maintain or close the account except the fees applicable to all accounts. Life Savings Insurance benefits are excluded. See Disclosure for additional limitations. Fees could reduce earnings on the account. Back to Top

Unsecured Loan Interest Rates Type Terms APR* Unsecured 1 year 5.50% Unsecured 2 year 7.00% Unsecured 3 year 9.00% Unsecured 4 year 11.50% Unsecured 5 year 12.50% Over draft Line of Credit Variable Term 13.50% Visa Classic Disclosure 10.90% Visa Platinum Disclosure 8.90% Visa Cash Advance Disclosure 12.40% Back to Top