Savings Calculator Effective 12/07/2009 Rates subject to change without prior notice * Loan given to qualified applicants; excluding tax, license and registration fees; financing for used cars based on NADA used car book. APY = Annual Percentage Yield DIVIDEND RATES   APY* Regular Savings Account $500.00 minimum .50% Club Accounts: Christmas Vacation Rainy Day Club $500.00 minimum .25% IRA Savings Account $500.00 minimum 2.00% Checking Plus Account $500.00 minimum .25% Time Accounts $1,000.00 minimum   30 Day    .40% 90 Day .60% 180 Day    .75% Time & IRA Accounts     180 Day    .75% 365 Day   1.10% 18 month   1.25% 2 Year   1.60% 3 Year   1.95% 4 Year   2.30% 5 Year   2.65% MONEY MARKET RATES     APY* Tier I $1,000 to $ 24,999       .65% APY Tier II $25,000 to $49,999      .90% APY Tier III $50,000 and up       1.20% APY