Savings Rates Effective January 1, 2010
Account Type

Minimum
Deposit

 Dividend Rate A.P.Y.*
Regular Share Savings     $5.00    .499 %     .50 %
Special Share Savings     $5.00    .499 %     .50 %
Minor Share Savings     $5.00    .499 %     .50 %
Christmas Club Share Savings     None    .499 %     .50 %
Coverdell Education Share Savings Account     None    .748 %     .75 %
Individual Retirement Share Account (I.R.A.)     None    .748 %     .75 %

*Annual Percentage Yield.

The rates above may change after the account is opened.
Deposits are federally insured to at least $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   0.896 %   0.90 %
12 months    $500.00   1.094 %   1.10 %
18 months    $500.00   1.292 %   1.30 %
24 months    $500.00   1.489 %   1.50 %
30 months    $500.00   1.686 %   1.70 %
36 months    $500.00   1.882 %   1.90 %

*Minimum deposit for Minor Share Certificates is $250.00.

**Annual Percentage Yield.


Deposits are federally insured to at least $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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