Loan Rates

* Term and Rate offered will be determined by your credit history.

**  All loans are subject to credit approval.

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Loan Rates effective December 1, 2008

Dividend Rates:

Regular Shares, Club Accounts, and Share Drafts require a minimum average daily balance of $100 to obtain the disclosed annual percentage yield.

Share certificates require a $1,000 minimum deposit, except for custodian accounts which require a $500 minimum deposit. Penalties apply for an early withdrawal.  Penalties can reduce earnings on the account.

Dividend Rates effective December 17, 2008