Rates Effective 12/01/2013


*Regular Shares – $25 minimum to open; $100 to earn dividends; Previous Quarter)
Compounded Daily/Paid Monthly
A 90 day dividends penalty will be imposed for early principle withdrawal.

Type Dividend Rate Annual Percentage Yield (APY)
Regular Share 0.25% 0.25%
IRAs ($0 – $9,999.99) 0.28% 0.28%
IRAs ($10,000 – $49,999.99) 0.33% 0.33%
IRAs ($50,000.00+) 0.38% 0.38%
MMAC ($2,000 – $14,999.99) 0.28% 0.28%
MMAC ($15,000 – $49,999.99) 0.33% 0.33%
MMAC ($50,000.00+) 0.38% 0.38%
CAMPUS MMAC (Min. $100) 0.28% 0.28%
Christmas Club 0.25% 0.25%
6 Month Certificate (Share & IRA) 0.45% 0.45%
6 Month Members Advantage Certificate (Share & IRA) 0.50% 0.50%
6 Month CAMPUS Certificate 0.50% 0.50%
12 Month Certificate (Share & IRA) 0.60% 0.60%
12 Month Members Advantage Certificate (Share & IRA) 0.65% 0.65%
24 Month Certificate (Share & IRA) 0.90% 0.90%
24 Month Members Advantage Certificate (Share & IRA) 0.95% 0.95%
36 Month Certificate (Share & IRA) 1.37% 1.38%
36 Month Members Advantage Certificate (Share & IRA) 1.42% 1.43%
60 Month Certificate (Share & IRA) 2.08% 2.10%
60 Month Members Advantage Certificate (Share & IRA) 2.13% 2.15%
12 Month Jumbo 0.70% 0.70%

*Regular Shares – $25 minimum to open; $100 to earn dividends; Previous Quarter)
Compounded Daily/Paid Monthly
A 90 day dividends penalty will be imposed for early principle withdrawal.