As of March 2010 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 0.40% 0.40% IRA Accounts All IRA Accounts 1.738% 1.75% Christmas Club Accounts All Christmas Club Accounts 0.40% 0.40% Monthly Dividend Accounts $20,000.00 Min. Balance 0.995% 1.00% Share Draft Accounts Avg. Daily Balance of $400.00 0.40% 1.00% Share Certificates Type of Certificate Term Minimum Deposit Annual Percentage Yield 6-Month 6 Months $1,000.00 1.25% One Year with Monthly Dividends Checks or Quarterly Compounded Dividends 365 days $2,500.00 1.491% (Monthly checks) 1.50% (Compounded Quarterly) Two Year with Monthly Dividends Checks or Quarterly Compounded Dividends 730 days $2,500.00 2.231% (Monthly checks) 2.25% (Compounded Quarterly)