Rates - effective March 31, 2014

Savings Accounts
  APY*
Regular Savings (Share) 0.10%
Holiday Clubs 0.10%
Vacation Clubs 0.10%
Money Market Deposit Accounts  
    Balances from $2,500 - $9,999 0.10%
    Balances from $10,000- $24,999 0.20%
    Balances over $25,000 0.25%
IRA Accounts 0.25%

Savings Accounts Annual Percentage Yields (APY) are as of the quarter ending March 31, 2014.  Dividends are declared and credited quarterly.  Fees or other conditions may reduce earnings on the account.

Term Share Certificates (Share and IRA Certificates)
Effective as of April 1, 2014 APY*
Six Months  0.25% 
One Year 0.35%
Eighteen Months 0.50%
Two Years 0.75%
Three Years 1.00%
Five Years 1.25%

Interest on Term Share Certificates will be credited monthly.  Penalty for early withdrawals. Minimum deposit of $1,000.

*Annual Percentage Yield.  The annual percentage yield assumes that interest will remain on deposit until the maturity date.

All rates, terms, and yields are subject to change-please call for current rates and complete terms.