As of November 1, 2011 Account APR (annual percentage rate) APY (annual percentage yield) Regular Savings Accounts $0.01 to $9,000.00 0.25% 0.25% $10,000.00 and over 0.399% 0.40% IRA Accounts All IRA Accounts 1.729% 1.75% Christmas Club Accounts All Christmas Club Accounts 0.399% 0.40% Monthly Dividend Accounts $20,000.00 Min. Balance 0.499% .50% Share Draft Accounts Avg. Daily Balance of $400.00 0.25% .25% Share Certificates Type of Certificate Term Minimum Deposit Rate of Interest 6-Month 180 days $1,000.00 Please check with member service for current rates One Year with Monthly Dividend Checks or Quarterly Compounded Dividends 365 days $2,500.00 Same as above Two Year with Monthly Dividend Checks or Quarterly Compounded Dividends 730 days $2,500.00 Same as above