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IRA Share Accounts [Rates:
1.76 % APY (Effective January 1st 2010)]
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Competitive Market Rates |
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Traditional, ROTH and Educational |
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Dividends paid Quarterly |
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Available for withdrawal at any
time (Tax penalties may apply) |
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NCUA Insured to $250,000 |

Term Share Accounts (Certificate of
Deposit)
Effective March 16, 2010
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Competitive Market Rates |
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Available in 6, 12 or 24 month
periods |
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Minimum Deposit of $500.00 |
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Dividends paid Monthly |
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Dividends can be either paid by
check, transferred to another account or compounded. |
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NCUA Insured to $250,000 |
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Term Shares
(Minimum $500.00 up to $4,999.99) |
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Term |
Dividend Rate (APY) |
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6 Month Term |
1.00% |
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12 Month Term |
1.21% |
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24 Month Term |
1.31% |
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Term Shares
(Minimum $5,000.00) |
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Term |
Dividend Rate (APY) |
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6 Month Term |
1.51% |
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12 Month Term |
1.71% |
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24 Month Term |
1.92% |
Notes: Fees may reduce earnings.
A penalty may be applied
for early withdrawal
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