Savings Rates Effective October 8, 2008
Account Type

Minimum
Deposit

 Dividend Rate A.P.Y.*
Regular Share Savings   $5.00  .996 % 1.00 %
Special Share Savings   $5.00  .996 % 1.00 %
Minor Share Savings   $5.00  .996 % 1.00 %
Christmas Club Share Savings   None  .996 % 1.00 %
Coverdell Education Share Savings Account   None 1.492% 1.50%
Individual Retirement Share Account (I.R.A.)   None 1.492 % 1.50%

*Annual Percentage Yield.

The rates above may change after the account is opened.
Deposits are federally insured to $250,000 by N.C.U.A., a U. S. government agency. I.R.A. deposits are separately insured to $250,000 by N.C.U.A.

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Share Certificates (Regular or I.R.A.)
Account Term

Minimum
Deposit*

 Dividend Rate A.P.Y.**
6 months $500.00 2.567 % 2.60 %
12 months $500.00 2.859 % 2.90 %
18 months $500.00 2.956 % 3.00 %
24 months $500.00 3.053 % 3.10 %
30 months $500.00 3.247 % 3.30 %
36 months $500.00 3.247 % 3.30 %

*Minimum deposit for Minor Share Certificates is $250.00.

**Annual Percentage Yield.


Deposits are federally insured to $250,000 by N.C.U.A., a U. S. government agency. I.R.A. deposits are separately insured to $250,000 by N.C.U.A.

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