*If the balance falls below the minimum balance requirement, your dividend rate will change to the present member savings rate of 0.60%.  If you close your account before dividends are credited, you will not receive accrued dividends.  Deposits are unlimited.  Withdrawals are limited to the first ten days following each quarter (January 1-10; April 1-10; July 1-10; October 1-10).  Withdrawals are not available through online banking.  The dividend rate and annual percentage yield may change without notice as determined by the board of directors.

**APY=Annual Percentage Yield.

All rates effective as of 07/02/09.