As of October 1, 2012 Account APR (annual percentage rate) APY (annual percentage yield) Regular Savings Accounts $0.01 to $9,999.99 0.15% 0.15% $10,000.00 and over 0.25% 0.25% IRA Accounts All IRA Accounts 0.499% 0.50% Christmas Club Accounts All Christmas Club Accounts 0.25% 0.25% Monthly Dividend Accounts $20,000.00 Min. Balance 0.25% 0.25% Share Draft Accounts Avg. Daily Balance of $400.00 0.15% 0.15% Share Certificates Type of Certificate Term Minimum Deposit Annual Percentage Yield 6-Month Certificate Fixed rate for the term of the Certificate, Certificate does not automatically renew 6 Months $1,000.00 Please check with member service for current rates. One Year Certificate Fixed rate, monthly dividends, Dividends do not compound, may receive monthly dividend check or have dividend posted to savings or checking, Does not automatically renew 365 days $2,500.00 Same as above 24 Month Certificate Fixed rate, monthly dividends, Dividends do not compound, may receive monthly dividend check or have dividend posted to savings or checking, Does not automatically renew 730 days $2,500.00 Same as above