Share Rates
| Dividend Rates/ Annual Percentage Yield* | Dividends Compounded | Dividends Credited | Dividend Period | Minimum Opening Deposit | Minimum Balance to Avoid a Service Fee | Minimum Balance to Earn the Stated APY* | Balance Method | Account Limitations (See Section 6 Below) |
|
|---|---|---|---|---|---|---|---|---|---|
| REGULAR SHARES ACCOUNT | 0.05% | Quarterly | Quarterly | Calendar Quarter | $5.00 | N/A | $100.00 | Average Daily Balance | N/A |
| CHRISTMAS CLUB ACCOUNT | 0.05% | Quarterly | Quarterly | Calendar Quarter | N/A | N/A | $100.00 | Average Daily Balance | Account Withdrawal Limitations Apply |
| VACATION CLUB ACCOUNT | 0.05% | Quarterly | Quarterly | Calendar Quarter | N/A | N/A | $100.00 | Average Daily Balance | Account Withdrawal Limitations Apply |
| IRA ACCOUNT | 0.05% | Quarterly | Quarterly | Calendar Quarter | N/A | N/A | $100.00 | Average Daily Balance | N/A |
| SHARE DRAFT (CHECKING) ACCOUNT | 0.05% | Quarterly | Quarterly | Calendar Quarter | N/A | N/A | $250.00 | Average Daily Balance | N/A |