Share Rates $5 minimum investment

Annual Percentage Yield, rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Account Type

Frequency

Dividend Rate

Annual Percentage Yield

Regular Share Account

Quarterly

0.05%

0.050%

*Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.

Checking	Monthly	0.05%	0.050%
Money Market Account (Under $100,000)	Monthly	0.40%	0.401%
Money Market Account (Over $100,000)	Monthly	0.75%	0.753%

*Dividends will be compounded monthly and will be credited monthly. Average Daily Balance.

Christmas & Vacation Club	Quarterly	0.05%	0.050%
IRA Savings	Quarterly	0.05%	0.050%

*Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.

Regular & IRA Certificates of Deposit
Annual Percentage Yield, rates and other terms may change at any time without prior notice. $500.00 minimum required to open a Regular or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Dividends will be compounded monthly and will be credited monthly.

Terms	Dividend Rate	Annual Percentage Yield	Frequency
90 Day	3.92%	3.99%	Monthly
6 Months	4.16%	4.24%	Monthly
12 Months	3.87%	3.94%	Monthly
18 Months	3.44%	3.49%	Monthly
2 Years	3.20%	3.25%	Monthly
4 Years	3.20%	3.25%	Monthly
5 Years	3.20%	3.25%	Monthly

**Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.