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| *APY = Annual Percentage Yield. |
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| Dividend rates are subject to change without notice. All Term Share Accounts (CD’s) and Christmas Clubs have a penalty for early withdrawal. Federally insured by National Credit Union Administration (NCUA) - the government agency responsible for insuring credit union deposits for up to $250,000. |
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| Share Accounts
(Effective - 07/01/2011) |
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| Shares
(Minimum $125.00 Balance) |
0.10% |
0.10% |
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| Kid’s Club Shares |
0.10% |
0.10% |
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| Share Draft Checking |
0.00% |
0.00% |
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| XLV Share Draft Checking |
0.00% |
0.00% |
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| Club Accounts (Minimum $5.00 Balance) |
0.00% |
0.00% |
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| Above dividends are posted quarterly (March, June, September, and December). |
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| Money Market Accounts
(Effective - 08/01/2011) |
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| Money Market
(Minimum $2,500.00 Balance) |
0.15% |
0.15% |
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| Money Market dividends are posted monthly at the end of each month and are not subject to an increased XLV rate. Maximum of six (6) transactions per month, three (3) of which may be checks. |
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| Term Share Certificates
(Effective - 08/01/2011) |
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| Term |
Dividend Rate |
APY* |
< $10,000 Rate |
< $10,000 Yield |
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03 Months |
0.10% |
0.10% |
0.20% |
0.20% |
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06 Months |
0.15% |
0.15% |
0.25% |
0.25% |
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12 Months |
0.20% |
0.20% |
0.30% |
0.30% |
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18 Months |
0.25% |
0.25% |
0.35% |
0.35% |
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24 Months |
0.30% |
0.30% |
0.40% |
0.40% |
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36 Months |
0.40% |
0.40% |
0.50% |
0.50% |
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48 Months |
0.50% |
0.50% |
0.60% |
0.60% |
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60 Months |
0.60% |
0.60% |
0.70% |
0.70% |
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| Minimum deposit for a certificate is $500.00. Dividends are posted quarterly (March, June, September, and December). The higher rate will apply only to certificates of deposits greater than $10,000. The rate is
0.10% higher than the rate for certificates under
$10,000. |
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