Share and Certificate Rates

Rates are accurate as of September 30, 2008

Regular Shares

Share dividends paid on average daily balance

Minimum Balance $200.00

Share Balance - $201.00 to $3,000.00 - 0.75% APY

Share Balance - $3,001.00 to over - 1.00% APY

Club 2 Account - Same as above shares

Traditional IRA - 3.04% APY 

Share Certificates

The below certificates have a $1,000.00 minimum balance. The dividend rate and annual percentage yield (APY) is fixed for the duration of the certificate, but may change at its maturity. You will incur a penalty for early withdrawal of a certificate. The annual percentage yields quoted are based on reinvesting of dividends until maturity. Withdrawals of interest prior to maturity will reduce the annual percentage yield. Fee imposed will also reduce the APY earned.

*Certificate Rates are accurate as of September 30, 2008

Term	APY	Dividend Rate
12 Months	3.04 %	3.00 %
18 Months	3.09 %	3.05 %
24 Months	3.14 %	3.10 %
36 Months	3.19 %	3.15 %

APY=Annual Percentage Yield

Your savings federally insured to at least $100,000.00 and backed up by the full faith and credit of the United States Government , National Credit Union Administration, (NCUA) a U.S. Government Agency. 

The stated dividend rates and annual percentage yields are offered as of the date listed and subject to change without notice. You may obtain updated information by calling Pat at 804-452-2480.

* RATES ARE SUBJECT TO CHANGE AT ANY TIME