Certificate Rates

Term Share Certificates ** Rates Dividend Rate   APY* Term Compound Frequency Minimum Balance
Term Share Certificates **

0.10%

0.10% 6 month Monthly $2,500 - $75,000
Term Share Certificates **

0.20%

0.20% 6 month Monthly Over $75,000
Term Share Certificates **

0.10%

0.10% 12 month Monthly $2,500 - $75,000
Term Share Certificates**

0.20%

0.20% 12 month Monthly Over $75,000
Term Share Certificates**

0.10%

0.10% 24 month Monthly $2,500 - $75,000
Term Share Certificates**

0.20%

0.20% 24 month Monthly Over $75,000



*APY = Annual Percentage Yield
**Early Withdrawl penalties apply
Term = Month
Effective date:

10/01/2014 Interest rates are set by the Board of Directors and are subject to change.