Certificate Rates
Term Rate APY*
6 Months 0.40% per annum
1 Year 0.75% 0.752%
2 Years 1.20% 1.205%

IRS Shares**
  Term Rate APY*
Traditional Share Account Monthly 0.75% 0.75%
Roth IRA Monthly 0.75% 0.75%

Share Dividend Rates
Account Rate APY* Term
Savings .40% .40% N/A
Vacation Club .40% .40% N/A
Holiday Club .40% .40% N/A
Loan Saver .40% .40% N/A

* APY = ANNUAL PERCENTAGE YIELD
** ALL IRA SHARES ARE PAID MONTHLY

DIVIDENDS ARE PAID QUARTERLY ON THE LAST DAY OF THE MONTH.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTIFICATION.

APY ON CERTIFICATED ASSUMES THE DIVIDENDS REMAIN IN THE ACCOUNT UNTIL MUTURITY.