Dividends and Rates

DIVIDEND & RATES



Savings As of May 1, 2016;
Account Minimum Balance to Earn Dividends APY* Dividend Rate
Regular Savings/Medical
$25
0.25%
0.25%
Everyday Super Share -Tier 1 $2,500-$9,999.00 0.25% 0.25%
Everyday Super Share -Tier 2 $10,000-$24,999 0.351% 0.35%
Everyday Super Share -Tier 3 $25,000-$49,999 0.401% 0.40%
Everyday Super Share -Tier 4 $50,000-$99,999 0.501% 0.50%
Everyday Super Share -Tier 5 $100,000 above 0.602% 0.60%
The above rates reflect the anticipated APY for the current month.
Dividends paid on last calendar day of each month.


Certificates As of May 1, 2016;
Account Minimum Balance to Earn Dividends APY* Dividend Rate
6-Month at maturity $1,000 0.601% 0.60%
12-Month at maturity $1,000 0.80% 0.80%
24-Month* quarterly $1,000 1.256% 1.25%
36-Month* quarterly $1,000 1.660% 1.65%
48-Month* quarterly $1,000 1.964% 1.95%
60-Month* quarterly
$1,000
2.371%
2.35%
* Paid every ninety days from issue date until maturity.
Please be aware that early withdrawal penalties may apply to all certificates.


IRAs As of May 1, 2016;
Account Minimum Balance to Earn Dividends APY* Dividend Rate
IRA Daily Savings**
$100
0.25%
0.25%
IRA Term Share***
6-Month $100 0.601% 0.60%
12-Month $100 0.80% 0.80%
24-Month $100 1.256% 1.25%
36-Month $100 1.660% 1.65%
48-Month $100 1.964% 1.95%
60-Month $100 2.371% 2.35%
**Dividends will be calculated on an average daily balance method and be paid quarterly.
***Dividends will accrue and pay at maturity.

Dividends on all accounts may change at any time as determined by the Board of Directors.
Dividends are paid from current income and available earnings after required transfers to reserves have been made at the end of the dividend period.


*APY = Annual Percentage Yield. Dividends on all accounts may change at any time as determined by the Board of Directors. Dividends are paid from current income and available earnings after required transfers to reserves have been made at the end of the dividend period. Please be aware that early withdrawal penalties may apply to all certificates. Fees may reduce earnings on all accounts.