Dividend Rates

Dividends Yield   Dividend Rate
Share Savings 0.25% APY** 0.25%
Share Draft Checking $150 balances and up 0.15% APY 0.15%
Christmas Club 0.25% APY 0.25%

** 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 3/29/2008. All deposit and loan rates are subject to change without notice.