CURRENT INVESTMENT RATES
Dividends Anticipated for Period Ending 06/30/2010
Certificate Of Deposits
Penalty for Early Withdrawal
Minimum Deposit $1,000.00
Annual Dividend
Term Percentage Rate
Yield (APY)**
3 month 0.70% 0.70%
6 month 0.80% 0.80%
1 year 1.00% 1.00%
18 months 1.05% 1.05%
2 year 1.36% 1.35%
CHECKING(SHARE DRAFT)* AND SAVINGS(SHARE)** ACCOUNTS
Fees imposed could reduce earnings on the account
Money Market Checking Account
Minimum Opening Minimum Average Daily Balance to
Balance $2,500.00 Earn Interest $2,500.00
$ 0.00 - $ 2,499.99 0.00% 0.00%
$2,500.00 - $19,999.99 0.56% 0.55%
$20,000.00 - $74,999.99 0.76% 0.75%
$75,000.00 and above 0.91% 0.90%
Senior Checking Account
Minimum Opening Minimum Average Daily Balance to
Balance $100.00 Earn Interest $1,500.00
$0.00 - $1,499.99 0.00% 0.00%
$1,500.00 and above 0.76% 0.75%
Savings and Special Club Share Accounts
Minimum Opening Minimum Average Daily Balance to
Balance $25.00
$ 0.00 - $ 25.00 0.00% 0.00%
$ 25.01 - and Up 0.41% 0.40%
Kirby The Kangaroo Kids Savings Account
Minimum Opening Minimum Average Daily Balance to
Balance $25.00 Earn Interest $25.00
$ 25.00 and above 0.51% 0.50%
Individual Retirement Account (Share IRA)
Minimum Opening Minimum Average Daily Balance to
Balance $250.00 Earn Interest $250.00
$0.00 - $249.99 0.00% 0.00%
$250.00 and above 0.86% 0.85%
