Dividend Rates

Dividends Yield   Dividend Rate Minimum Balance To Open Minimum Balance To Obtain APY Compounding Frequency
Share Savings 0.100% APY** 0.100% $5.00 $25.00 Quarterly
Share Draft Checking 0.050% APY 0.050% $0.00 $150.00 Quarterly
Christmas Club 0.100% APY 0.100% $0.00 $25.00 Quarterly
Kids Club 0.200% APY 0.200% $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 6/4/2010. All deposit and loan rates are subject to change without notice.