Rates & Fees

Investment Rates

Term Shares with Dividends Deposited to Shares
Term	Minimum Deposit	Annual Percentage Yield
6 Months	$1,000	2.74%
	$5,000	3.07%
	$10,000	3.12%
	$20,000	3.47%
12 Months	$1,000	2.97%
	$5,000	3.12%
	$10,000	3.17%
	$20,000	3.57%

Term Shares with Dividends Added to Principal Monthly
Term	Minimum Deposit	Dividend Rate	Annual Percentage Yield
6 Months	$1,000	2.74%	2.77%
	$5,000	3.07%	3.11%
	$10,000	3.12%	3.17%
	$20,000	3.47%	3.53%
12 Months	$1,000	2.97%	3.01%
	$5,000	3.12%	3.17%
	$10,000	3.17%	3.22%
	$20,000	3.57%	3.63%

Fee / Description	Amount
Membership Fee	$2.00
NSF/Overdraft	$25.00
Stop Payment (Check or ACH)	$25.00
Returned Item	$25.00
Loan Application Fee	$20.00
Wire Fee	$15.00
Dormant Account Fee (per month)	$5.00
Late Payment Fee (This fee only applies to loans closed after 04/30/08)	$15.00
Gift Card Fees	$1.75 Member / $3.00 Non-Member