Dividend Rates
| Dividends | Yield | Dividend Rate | Minimum Balance To Open | Minimum Balance To Obtain APY | Compounding Frequency | |
| Share Savings | 0.050% | APY** | 0.050% | $5.00 | $25.00 | Quarterly |
| IOTA/IOLTA Share Draft | 0.050% | APY | 0.050% | $0.00 | $150.00 | Quarterly |
| Christmas Club | 0.050% | APY | 0.050% | $0.00 | $25.00 | Quarterly |
| Kids Club | 0.100% | APY | 0.100% | $5.00 | $25.00 | Quarterly |
** APY (Annual Percentage Yield) - The rate of return on an investment for a one-year period.
Dividend rates are declared and calculated on a quarterly basis. Rates are current as of 2/1/2012. All deposit and loan rates are subject to change without notice.
