Account
Type
Dividend
Rate
Annual
Percentage Yield
Minimum $ To
Open Account
Minimum Balance
to Earn Dividends
Shares (Savings) and Clubs
$25 and above 0.10% 0.10% $25 $25
Money Markets
$2,501 - $15,000 .30% .30% $2,500 $2,500
$15,001 > .50% .50% $2,500 $2,500
Share Certificates
 6 Months  .60%  .60% $1,000 $1,000
12 Months .75%  .75% $1,000 $1,000
18 Months 1.00% 1.00% $1,000 $1,000
24 Months 1.25% 1.26% $1,000 $1,000
36 Months
* One time Step-up
1.80% 1.81% $1,000 $1,000
IRA Shares .25% .25% $25 $25
IRA Certificates
6 - 36 Months same as share
certificates
same as share
certificates
$1,000 $1,000
IRA Clubs 0.25% 0.25% $0.00 No Minimum
Christmas - disbursed to share account on October 1st.  One additional withdrawal allowed per year without penalty.
Vacation - disbursed to share account on June 1st.  One additional withdrawal allowed per year without penalty.
All-Purpose - No penalty for withdrawals.
Youth Accounts
Monty Moose
to age 12
same as shares same as shares $25 $25
Share Certificates
available (see above) 
same as share certificates same as share certificates $500 $500

– Effective as of 7:30 AM on 05-18-2011 –
Rates Subject To Change