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Savings Rates

Rates effective 07/20/10


SHARE RATES  
ACCOUNT APY*
Regular Share** .25%
Christmas Club*** .25%
Share Draft**** .05%
**dividends paid on balances greater than $100.00, Has to have minimum $25.00 to stay open
***dividends paid on balances greater than $100.00
****dividends paid on balances greater than$500.00

MONEY MARKET/IRA MONEY MARKET RATES  
ACCOUNT BALANCES APY*
$1,500 & UP 0.28%
$10,000 Minimum 0.35%
$25,000 Minimum 0.45%
$50,000 Minimum 0.60%
IRA Money Market/ROTH - No Minimum

EDUCATION IRA  
ACCOUNT BALANCES APY*
No Minimum .96%


Certificate Rates
Certificate rate at time of purchase will be constant until maturity.
There may be a penalty for early withdrawal.

Minimum Deposit $1,000  
TERM APY*
6 Month 0.03% - 0.28%
1 Year 0.09% - 0.34%
18 Months 0.25% - 0.50%
2 Years 0.30% - 0.55%
30 Months 0.69% - 0.95%
3 Years 1.05% - 1.30%
4 Years 1.30% - 1.55%
5 Years 1.64% - 1.90%
Annual Percentage Yield is accurate as of 07/20/10

Minimum Deposit $10,000  
TERM APY*
6 Month 0.15% - 0.40%
1 Year 0.60% - 0.85%
18 Months 0.70% - 0.95%
2 Years 0.75% - 1.00%
30 Months 1.20% - 1.45%
3 Years 1.50% - 1.75%
4 Years 1.79% - 2.05%
5 Years 2.20% - 2.45%
Annual Percentage Yield is accurate as of 07/20/10

Minimum Deposit $25,000  
TERM APY*
6 Month 0.20% - 0.45%
1 Year 0.65% - 0.90%
18 Months 0.75% - 1.00%
2 Years 0.80% - 1.05%
30 Months 1.25% - 1.50%
3 Years 1.55% - 1.80%
4 Years 1.84% - 2.10%
5 Years 2.25% - 2.50%
Annual Percentage Yield is accurate as of 07/20/10


College Saver Certificate
Certificate rate at time of purchase will be constant until maturity.
There may be a penalty for early withdrawal.
California Kids/Teens Account Required. To learn more click here

Minimum Deposit $200  
TERM APY*
6 Month 0.15%
Annual Percentage Yield is accurate as of 07/20/10

*APY - Annual Percentage Yield. Rates are subject to change.