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Savings and Investments	Dividend Rate	Annual % Yield	Minimum Balance
Savings	1.05	1.05	$5
Checking	.25	.25	$0
Club Accounts	1.05	1.05	$5
Term Share Certificates
90 Days	1.75	1.76	$1,000
180 Days	3.15	3.20	$1,000
1 Year/IRA*	3.50	3.56	$1,000
2 Year/IRA*	3.75	3.81	$1,000
3 Year/IRA*	3.93	4.00	$1,000
5 Year/IRA*	4.25	4.33	$1,000
1 Year Puppy Pak	3.50	3.56	$100
1 Year Teen	3.50	3.56	$500
Jumbo CD	.15 bps over 1-5 Year CD's		$90,000
Money Management
Tier 1	1.05	1.05	$5
Tier 2	1.75	1.76	$5,000
Tier 3	2.25	2.27	$50,000
Tier 4	2.75	2.78	$100,000
Tier 5	3.25	3.30	$250,000
Individual Retirement Accounts (IRA's)
IRA Advantage* Tier 1	1.05	1.05	$5-$999
IRA Advantage* Tier 2	1.75	1.76	Over $1,000
* Includes Traditional IRAs, Roth IRAs and CESA's (Educational IRA's)
All rates are subject to change without notice A penalty may be imposed for early withdrawal which could reduce the earnings on the account. APY assumes dividends remaining in the account until maturity. A withdrawal will reduce earnings.