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SAVINGS RATES
| Share Type | AVERAGE DAILY BALANCE to Earn Dividends |
Annual Percentage Yield |
| Regular, Miscellaneous, Vacation, Holiday Club & Trust Accounts | $250 + | .45% |
| Children's Account | $5.00 + | .45% |
| IRA - Reg., Roth & Coverdall | $5.00+ | .70% |
| Dividend Bearing Share Draft | $500 + | .15% |
| Money Market | $5,000 + | 1.00% |
| 6 Month Certificate | $1,000.00 | 1.25% |
| 12 Month Certificate | $1,000.00 | 1.50% |
| 24 Month Certificate | $1,000.00 | 2.00% |
| 60 Month Certificate | $1,000.00 | 3.00% |
| IRA - 6 Month Certificate | $1,000.00 | 1.50% |
| IRA - 12 Month Certificate | $1,000.00 | 1.75% |
| IRA - 24 Month Certificate | $1,000.00 | 2.25% |
| IRA - 60 Month Certificate | $1,000.00 | 3.25% |
| 1 - Year JUMBO Certificate | $10,000.00 | N/A |
| 1 - Year Super JUMBO Certificate | $100,000.00 | N/A |
- Rates effective as of 12/25/2009.
- All Holiday Club Accounts mature not later than October 10th of each year. A $10 fee will be imposed for each withdrawal prior to maturity.
- All Certificates have a 3-month penalty for early withdrawal.
- For all accounts, except 6-Month and 1-Year Certificates, dividends are paid and compounded quarterly based on the average daily balance in each account. 6-Month and 1-Year Certificate dividends are compounded and paid at maturity.