APY= Annual Percentage Yield. Rates effective . Rates, terms and conditions are subject to change without notice. Fees charged could reduce earnings. Rates may change after accounts are opened (does not include certificates).  A penalty will be imposed for early withdrawal on certificates.

Regular Share
Dividends are earned based on the daily balance computation on accounts with a balance of $100 or greater.  All dividends are paid monthly. 

Share Draft Checking
You must maintain a balance of $100 or more to avoid the $8.00 service fee. The dividend rate reflected will be paid on the daily balance in your account.

Travel & Christmas Clubs
Travel - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.

Christmas - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.