| The Board of Directors sets dividend rates each quarter |
| based on earnings for that period. They are paid quarterly on |
| January 1st, April 1st, July 1st, October 1st. |
| Shares, Club One and Club Two | | |
| - $100.00 minimum balance to earn the stated APY | .05% APR | up to $10,000.00 |
| .05% APY | |
| 1.00% APR | $10,000.01 - $75,000.00 |
| 1.00% APY | |
| 1.55%APR | $75,000.01 and up |
| 1.55% APY | |
| Christmas Club | | |
| - $100.00 minimum balance to earn the stated APY | .05% APR | up to $10,000.00 |
| - Funds Transferred To Share Account Oct 15th | .05% APY | |
| - Early withdrawal fee applies | 1.00% ARP | $10,000.01 - $75,000.00 |
| 1.00% APY | |
| 1.55% APR | $75,000.01 and up |
| 1.55% APY | |
| IRA's | | |
| - Traditional, Roth and Educational | 1.00% APR | |
| 1.00% APY | |
| Share Draft/Checking | | |
| - No mimimum balance | 0.00% APR | |
| - No monthly fees, free overdraft protection and Debit Cards | | |
| | |