Rates Effective January 2012
Savings	Dividend Rate	APY*
Share Account	0.25	0.26
Club Account	0.25	0.26
Health Savings Account	0.50	0.51
IRA Share Account	0.50	0.51

Rates Effective January 18, 2012
Certificates	Dividend Rate	Compounded
3 Month Certificate	0.20	0.21
6 Month Certificate	0.25	0.26
12 Month Certificate	0.35	0.36
18 Month Certificate	0.40	0.41
24 Month Certificate	0.60	0.61
36 Month Certificate	0.80	0.81
48 Month Certificate	1.15	1.16
60 Month Certificate	1.45	1.46

Certificates are available for a minimum of $1,000.  Dividend are paid monthly on Share Certificates, dividends can be added to the share account, checking account or added to the Certificate.  Dividends paid on the IRA Certificates are added to the Certificate.
 

Rates Effective January 2012
Money  Market	Dividend Rate	APY
$  0.00 - 4,999	0.10	0.10
$  5,000 - 9,999	0.10	0.10
$  10,000 - 24,999	0.25	0.26
$  25,000 - 9,999,999	0.50	0.51

*APY (Annual Percentage Yield)