Rates current as of 11/01/2008

 
Account Type Compounded Dividend Rate APY*
Regular Share Account Quarterly 1.00% 1.00%
Club Accounts Quarterly 1.00% 1.00%
Baby Buck and Little Savers 

Quarterly 

 1.00%

 1.00%

Checking Accounts Quarterly .75% .75%
Regular IRA Shares Quarterly 1.00% 1.00%
Regular Certificates      
 3 Month Certificate

 Monthly

 2.50%

 2.53%

6 Month Certificate Monthly 2.75% 2.78%

 12 Month Certificate

 Monthly

3.45%

 3.51%

 12 Month Bonus Certificate**

 Monthly

 3.70%

 3.76%

30 Month Certificate Monthly 3.93% 4.00%
 60 Month Certificate

 Monthly

 4.18%

 4.26%

 IRA Certificates      
 3 Month Certificate

 Monthly

 2.50%

 2.53%

 6 Month Certificate

 Monthly 

 2.75%

 2.78%

 12 Month Certificate

  Monthly

 3.45%

 3.51%

 30 Month Certificate

  Monthly

 3.93%

4.00%

 60 Month Certificate

 Monthly

 4.18%

4.26% 

Money Market $0-$2499 Monthly 1.00% 1.00%
$2500 - $4999 Monthly 1.10% 1.11%
$5000 - $9999 Monthly 1.20% 1.21%
$10000 - $19999 Monthly 1.80% 1.81%
$20000 - $49999 Monthly 2.50% 2.53%
$50000 + Monthly

3.00%

3.04%

*Annual Percentage Yield. Minimum balance to earn Annual Percentage Yield on Certificate Accounts is $500. Minimum balance to earn Annual Percentage Yield on IRA Share Accounts is $10.  Minimum balance to earn Annual Percentage Yield on all other accounts - $5. Penalties may apply for early withdrawal from certificate acocunts. Withdrawals and fees could reduce earnings. Rates quoted as of 11/01/08 and subject to change without notice. **Open a checking account with direct deposit and use online banking to qualify for the bonus rate, excludes IRA certificates.