Deposit Accounts

Account Type
APY
 Minimum to Open
Membership Savings
1.26%
 $25
Special Savings
1.26%
 NA
Silver Savings (The minimum daily balance required to earn stated APY is $25,000.)
3.14%
 $25,000
Smart Savers (Children under 18)
1.26% - 3.30%
 NA
IRA Savings
3.25%
 NA
Checking
.50%
 $20
Select Checking
.50%
 $20
Second Chance Checking
NA
 $50
Money Market
2.12%
 $2,500

Deposit Accounts: The rate may change after account opening.
Fees or other conditions may reduce the earnings.

APY = Annual Percentage Yield
APY is accurate as of 09-20-07

Certificate Accounts: Minimum $1,000 deposit required. A dividend
penalty will be imposed for early withdrawal.

Fee Schedule associated with deposit accounts.

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