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Effective as of 9/20/2011

Our Term Share Accounts are offered for a six month term.  There is a minimum deposit of $500.00 to open a term share account.   The rates are as follows:

$500 – $2500

0.30% APY* / 0.30% dividend rate

$2500 +

0.70% APY*/0.70% dividend rate

Interest Credited

At Maturity

The interest rate and annual percentage yield are fixed and will be in effect for the term of the account.  The annual percentage yield is based on an assumption that the interest will remain on deposit until maturity.  There may be a penalty that may reduce the earnings if a withdrawal is made before the maturity date.

*Annual Percentage Yield
*Minimum balance of $500.00 is required to earn dividends.

Rates are subject to change at any time.