Savings Accounts Rates

Rates and yields are effective as of Friday, November 7, 2008

*Balances below this amount will not receive interest.

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Account Terms

The following account terms apply to all accounts in this category unless otherwise marked:

Variable Rate Accounts: The interest rate and annual percentage yield may change at any time.

Determination of Rate: At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes: We may change the interest rate on your account at any time.

Interest will be calculated on the daily balance method. This method applies a daily periodic rate to the principal in the account each day.

Minimum balances must be maintained to avoid maintenance fees.

Interest begins to accrue no later than the business day you deposit noncash items (i.e., checks).

A minimum deposit of $1.00 is required to open these accounts.

Effect of Closing an Account: Accrued but uncredited interest under $1.00 will not be paid.

Statement Savings Only: Interest is posted monthly. Fees could reduce earnings.

Kids First Savings Only: Interest is posted monthly.

Holiday Club Only: Interest is paid annually. No interest is paid if closed out early.

Special Purpose Club Only: Interest is credited yearly and at the completion of the club with a maximum length of five years. This club does not renew automatically at maturity. A check will be mailed to you for the balance plus interest at maturity.