 |

| The annual percentage yields quoted are accurate as of 03/01/10. |
| Account Description |
Account
Terms |
Dividend Calculation |
Dividend Rate |
APY* |
Share Accounts
$25 Minimum Balance, $100 to earn Dividends**
|
Share Savings (S1),
Vacation Club (S14),
& Holiday Account (S15)
$100-$1,000 |
Daily |
Daily Compounded |
0.10% |
0.10% |
Share Savings (S1)
Vacation Club (S14),
& Holiday Account (S15)
$1,001-$5,000 |
Daily |
Daily Compounded |
0.20% |
0.20% |
Vacation Club (S14),
& Holiday Account (S15)
Share Savings (S1)
$5,001-$10,000 |
Daily |
Daily Compounded |
0.25% |
0.25% |
Share Savings (S1)
Vacation Club (S14),
& Holiday Account (S15)
$10,001+ |
Daily |
Daily Compounded |
0.35% |
0.35% |
Money Market (S5)
$1000 Minimum Balance to earn Dividends.
Fees incurred could reduce the earnings on this account.
|
Money Market
$1,000-$4,999 |
Daily |
Daily Compounded |
0.20% |
0.20% |
Money Market
$5,000-$9,999 |
Daily |
Daily Compounded |
0.35% |
0.35% |
Money Market
$10,000-$24,999 |
Daily |
Daily Compounded |
0.50% |
0.50% |
Money Market
$25,000-$49,999 |
Daily |
Daily Compounded |
0.60% |
0.60% |
Money Market
$50,000-$99,999 |
Daily |
Daily Compounded |
0.70% |
0.70% |
Money Market
$100,000+ |
Daily |
Daily Compounded |
0.90% |
0.90% |
Checking
$1000 Minimum Balance to earn Dividends.
Fees incurred could reduce the earnings on this account. |
| Dividend Checking (S2) |
Daily |
Daily Compounded |
0.10% |
0.10% |
Certificates of Deposit
$2,000 Minimum Balance.
A penalty may be imposed for early withdrawal. |
| 3 month (I54) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
0.20% |
0.20% |
|
$5,000-$9,999
|
|
|
0.25% |
0.25% |
|
$10,000-$24,999
|
|
|
0.30% |
0.30% |
|
$25,000-$49,999
|
|
|
0.40% |
0.40% |
|
$50,000-$99,999
|
|
|
0.45% |
0.45% |
|
$100,000+
|
|
|
0.50% |
0.50% |
| 6 month (I55) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
0.25% |
0.25% |
|
$5,000-$9,999
|
|
|
0.30% |
0.30% |
|
$10,000-$24,999
|
|
|
0.40% |
0.40% |
|
$25,000-$49,999
|
|
|
0.50% |
0.50% |
|
$50,000-$99,999
|
|
|
0.55% |
0.55% |
|
$100,000+
|
|
|
0.60% |
0.60% |
| 12 month (I56) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
0.95% |
0.95% |
|
$5,000-$9,999
|
|
|
1.00% |
1.01% |
|
$10,000-$24,999
|
|
|
1.05% |
1.06% |
|
$25,000-$49,999
|
|
|
1.10% |
1.11% |
|
$50,000-$99,999
|
|
|
1.15% |
1.16% |
|
$100,000+
|
|
|
1.20% |
1.21% |
| 18 month (I57) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
0.95% |
0.95% |
|
$5,000-$9,999
|
|
|
1.05% |
1.06% |
|
$10,000-$24,999
|
|
|
1.10% |
1.11% |
|
$25,000-$49,999
|
|
|
1.15% |
1.16% |
|
$50,000-$99,999
|
|
|
1.20% |
1.21% |
|
$100,000+
|
|
|
1.25% |
1.26% |
| 24 month (I58) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
1.20% |
1.21% |
|
$5,000-$9,999
|
|
|
1.25% |
1.26% |
|
$10,000-$24,999
|
|
|
1.30% |
1.31% |
|
$25,000-$49,999
|
|
|
1.45% |
1.46% |
|
$50,000-$99,999
|
|
|
1.55% |
1.56% |
|
$100,000+
|
|
|
1.60% |
1.61% |
| 36 month (I59) |
Daily |
Daily Compounded |
|
|
|
$2,000-$4,999
|
|
|
1.45% |
1.46% |
|
$5,000-$9,999
|
|
|
1.50% |
1.51% |
|
$10,000-$24,999
|
|
|
1.65% |
1.66% |
|
$25,000-$49,999
|
|
|
1.80% |
1.82% |
|
$50,000-$99,999
|
|
|
2.05% |
2.07% |
|
$100,000+
|
|
|
2.20% |
2.22% |
IRA (S20) & Roth (S21) Shares
$25 Minimum Balance
A penalty may be imposed for early withdrawal. |
Accumulation IRA Savings
$100-$1,000 |
Daily |
Daily Compounded |
0.20% |
0.20% |
Accumulation IRA Savings
$1,001-$5,000 |
Daily |
Daily Compounded |
0.30% |
0.30% |
Accumulation IRA Savings
$5,001-$10,000 |
Daily |
Daily Compounded |
0.40% |
0.40% |
Accumulation IRA Savings
$10,001+ |
Daily |
Daily Compounded |
0.50% |
0.50% |
IRA & Roth Certificates
$1,000 Minimum Balance
A penalty may be imposed for early withdrawal. |
| 3 month (I64/I74) |
Daily |
Daily Compounded |
|
|
|
$1,000-$4,999
|
|
|
0.25% |
0.25% |
|
$5,000-$9,999
|
|
|
0.30% |
0.30% |
|
$10,000-$24,999
|
|
|
0.35% |
0.35% |
|
$25,000-$49,999
|
|
|
0.45% |
0.45% |
|
$50,000-$99,999
|
|
|
0.50% |
0.50% |
|
$100,000+
|
|
|
0.55% |
0.55% |
| 6 month (I65/I75) |
Daily |
Daily Compounded |
|
|
|
$1,000-$4,999
|
|
|
0.30% |
0.30% |
|
$5,000-$9,999
|
|
|
0.35% |
0.35% |
|
$10,000-$24,999
|
|
|
0.45% |
0.45% |
|
$25,000-$49,999
|
|
|
0.55% |
0.55% |
|
$50,000-$99,999
|
|
|
0.60% |
0.60% |
|
$100,000+
|
|
|
0.65% |
0.65% |
| 12 month (I66/I76) |
Daily |
Daily Compounded |
|
|
|
$1,000-$4,999
|
|
|
1.00% |
1.01% |
|
$5,000-$9,999
|
|
|
1.05% |
1.06% |
|
$10,000-$24,999
|
|
|
1.10% |
1.11% |
|
$25,000-$49,999
|
|
|
1.15% |
1.16% |
|
$50,000-$99,999
|
|
|
1.20% |
1.21% |
|
$100,000+
|
|
|
1.25% |
1.26% |
| 18 month (I67/I77) |
Daily |
Daily Compounded |
|
|
|
$1,000-$4,999
|
|
|
1.00% |
1.01% |
|
$5,000-$9,999
|
|
|
1.10% |
1.11% |
|
$10,000-$24,999
|
|
|
1.15% |
1.16% |
|
$25,000-$49,999
|
|
|
1.20% |
1.21% |
|
$50,000-$99,999
|
|
|
1.25% |
1.26% |
|
$100,000+
|
|
|
1.30% |
1.31% |
| 24 month (I68/I78) |
Daily |
Daily Compounded |
|
|
|
$1,000-$4,999
|
|
|
1.25% |
1.26% |
|
$5,000-$9,999
|
|
|
1.30% |
1.31% |
|
$10,000-$24,999
|
|
|
1.35% |
1.36% |
|
$25,000-$49,999
|
|
|
1.50% |
1.51% |
|
$50,000-$99,999
|
|
|
1.60% |
1.61% |
|
$100,000+
|
|
|
1.65% |
1.66% |
| 36 month (I69/I79) |
Daily |
Daily Compound |
|
|
|
$1,000-$4,999
|
|
|
1.50% |
1.51% |
|
$5,000-$9,999
|
|
|
1.55% |
1.56% |
|
$10,000-$24,999
|
|
|
1.70% |
1.71% |
|
$25,000-$49,999
|
|
|
1.85% |
1.87% |
|
$50,000-$99,999
|
|
|
2.10% |
2.12% |
|
$100,000+
|
|
|
2.25% |
2.28% |
| Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Each member account is Federally Insured to at least $100,000; Traditional and Roth Individual Retirement Accounts are insured separately to $250,000.
*APY = Annual Percentage Yield
**The APY is accurate as of the last dividend declaration date.
|
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