|





| |
IRA Share Accounts [Rates:
1.51 % APY (Effective July 1st 2011)]
 |
Competitive Market Rates |
 |
Traditional, ROTH and Educational |
 |
Dividends paid Quarterly |
 |
Available for withdrawal at any
time (Tax penalties may apply) |
 |
NCUA Insured to $250,000 |

Term Share Accounts (Certificate of
Deposit)
Effective September 1, 2011
 |
Competitive Market Rates |
 |
Available in 6, 12 or 24 month
periods |
 |
Minimum Deposit of $500.00 |
 |
Dividends paid Monthly |
 |
Dividends can be either paid by
check, transferred to another account or compounded. |
 |
NCUA Insured to $250,000 |
|
Term Shares
(Minimum $500.00 up to $4,999.99) |
|
Term |
Dividend Rate (APY) |
|
6 Month Term |
.50% |
|
12 Month Term |
.70% |
|
24 Month Term |
.80% |
|
Term Shares
(Minimum $5,000.00) |
|
Term |
Dividend Rate (APY) |
|
6 Month Term |
1.00% |
|
12 Month Term |
1.21% |
|
24 Month Term |
1.41% |
Notes: Fees may reduce earnings.
A penalty may be applied
for early withdrawal
|