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Share Rates
As of  December 31, 2011 APR1 APY2 Conditions
Regular .50% .50% Dividends paid & compounded qtrly. Rate is last declared rate
Clubs .25% .25% Dividends paid & compounded qtrly  Rate is last declared rate.
Draft .25% .25% Minimum avg balance $500 
Dividends paid & compounded quarterly
Rate is last declared rate.
Money One tiered   Minimum avg balance $2,500.00 
Dividends paid & compounded quarterly
Rate is last declared rate.
Tier 1: $2,500-$10,000.00 .55% .55%  
Tier 2: $10,001-$75,000.00 .70% .70%  
Tier 3: $75,001 & Greater .80% .80%  
 
 
Certificate Rates
As of January 16, 2012 APR1 APY2 Conditions
6 Month Certificate .35% .35%

$500 minimum Dividends Compounded monthly 
Penalty = 90 days dividend

12 Month Certificate .55% .55% $500 minimum Dividends Compounded monthly
Penalty = 90 days dividend
18 Month Certificate .74% .74% $500 minimum Dividends Compounded monthly
Penalty = 90 days dividend
24 Month Certificate .90% .90% $500 minimum Dividends Compounded monthly 
Penalty = 90 days dividend
36 Month Certificate 1.23% 1.24% $500 minimum Dividends Compounded monthly 
Penalty = 90 days dividend
IRA Regular .35% .35% Dividend paid & comp.quarterly.Regular Rate as of July,01,2010
12 Month IRA Certificate .55% .55% Minimum is $1,000 Compounded monthly
Penalty = 90 days Dividend
18 Month IRA Certificate .74% .74% Minimum is $1,000 Compounded monthly
Penalty = 90 days Dividend
24 Month IRA Certificate .90% .90% Minimum is $1,000 Compounded monthly
Penalty = 90 days Dividend
36 Month IRA Certificate 1.23% 1.24%

Minimum is $1,000 Compounded monthly
Penalty = 90 days Dividend

notes: Rates stated are as of date indicated. Reg & Club are as of the last declared date. All rates subject to change.Next dividend declaration date is December 31, 2011 and dividends may change at that time.
1 APR = Annual Percentage Rate
2 APY = Annual Percentage Yield