Rates – Effective 1/1/2016

**APY = Annual Percentage Yield
Compounded Daily/Paid Monthly
A 90 day dividends penalty will be imposed for early principle withdrawal.

Investment Rates Dividend Rate APY**
Regular Shares .25% .25%
($25 minimum to open; $100 to earn dividends; Previous Quarter)
IRA’s ($0 – $9,999.99) .28% .28%
IRA’s ($10,000 – $49,999.99) .33% .33%
IRA’s ($50,000+) .38% .38%
MMAC ($2,000 – $14,999.99) .28% .28%
MMAC ($15,000 – $49,999.99) .33% .33%
MMAC ($50,000+) .38% .38%
CAMPUS MMAC (Min. $100) .28% .28%
Christmas Club .25% .25%

**APY = Annual Percentage Yield
Compounded Daily/Paid Monthly
A 90 day dividends penalty will be imposed for early principle withdrawal.

Share Certificates & IRA Share Certificates Dividend
Rate
APY**
6 Month .45% .45%
6 Month Members Advantage .50% .50%
6 Month Campus .50% .50%
12 Month .60% .60%
12 Month Members Advantage .65% .65%
24 Month .90% .90%
24 Month Members Advantage .95% .95%
36 Month 1.37% 1.38%
36 Month Members Advantage 1.42% 1.43%
60 Month 2.08% 2.10%
60 Month Members Advantage 2.13% 2.15%
12 Month Jumbo .70% .70%