DIVIDEND
RATES - 3rd Quarter Ending September 30, 2010
SHARES
SHARES
RATE
APY
SHARE/SAVINGS
0.20%
0.20%
LIFE SAVINGS
0.10%
0.10%
DRAFT/CHECKING
0.10%
0.10%
IRA
1.00%
1.00%
PREMIUM SAVERS **
Tier One $10,000.00-$24,999.99
0.25%
0.25%
Tier Two $25,000 and over
0.35%
0.35%
CERTIFICATES
- Rates effective September 1, 2010 (Certificate Rates
Subject to change without notice)
TERMS
RATE
APY
6 MONTH TERM
(MINIMUM $1,000.00)
0.40%
0.40%
1 YEAR TERM
(MINIMUM $5,000.00)
0.50%
0.50%
2 YEAR TERM
(MINIMUM $5,000.00)
0.60%
0.60%
EARLY WITHDRAWAL
PENALTY: 6 MONTH CERTIFICATES = 30 DAYS
INTEREST
1 & 2 YEAR CERTIFICATES = 90 DAYS INTEREST * APY = Annual Percentage Yield
** Premium Savers Accounts (This is actual rate declared for 3rd Quarter ending
September 30, 2010)
The estimated rates for 4th quarter 2010 are as follows:
Tier One – Rate .25% - APY - .25%
Tier Two – Rate .35% - APY – .35%