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Share & Certificate Rates

Account Name Minimum Opening Balance Minimum to Earn Dividend Dividend Rate Annual Percentage Yield Dividend Declaration Date
Savings $50 Under $100 0.000 0.00 03/31/08
100 - 2,499 0.499 0.50
2,500 - 9,999 0.747 0.75
10,000 & over 0.995 1.00
Money Market $2,500 $1 0.000 0.00 03/31/08
1 - 2,499 0.250 0.250
2,500 - 9,999 1.243 1.250
10,000 - 49,999 1.982 2.000
50,000 - 99,999 2.472 2.500
100,000 & over 2.716 2.750
IRA Savings $100 Under $100 0.000 0.00 03/31/08
$100 & over 1.094 1.10
Plus Checking $25 $1 & over 0.499 0.50 03/31/08
Business Interest Checking $100.00 $1 & over 0.499 0.50 03/31/08
Account Name Minimum Opening Balance Certificate Term Dividend Rate Annual Percentage Yield Dividend Declaration Date
Share Certificates $1,000 3 Months 2.960 3.00 04/01/08
6 Months 3.251 3.30
12 Months * 3.445 3.50
24 Months 3.735 3.80
36 Months 3.735 3.80
48 Months 3.735 3.80
60 Months 3.735 3.80
IRA Certificates $1,000 3 Months 3.057 3.10 04/01/08
6 Months 3.348 3.40
12 Months * 3.542 3.60
24 Months 3.832 3.90
36 Months 3.832 3.90
48 Months 3.832 3.90
60 Months 3.832 3.90
Jumbo Certificates-IRA and Non-IRA $100,000 3 Months 3.057 3.10 04/01/08
6 Months 3.348 3.40
12 Months * 3.542 3.60
* One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate.
* One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00.
All rates and discounts are subject to change without notice.
For current information, call (661) 327-9461.

TERMS

  1. See the current Truth-In-Savings Disclosure that is provided when you open your account, and upon request.
  2. Fees could reduce the earnings on the account. Refer to the current Fee Schedule that is provided when you open your account. For Money Market Accounts free withdrawals are limited to 6 per month.
  3. If you close your account before dividends are credited, you will not receive accrued dividends.
  4. Substantial penalty for early withdrawal.
  5. Consult your tax advisor.
  6. Annual IRA "Plan" maintenance fee is $10.00 per year.
  7. $5.00 minimum opening deposit for members age 15 years and under.