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Current Share Rates

SAVING & CHECKING ACCOUNT RATES
Declared for August 1, 2014
  ACCOUNT TYPE BALANCE APY* RATE
A/B Membership Savings $0.00 to $99.99 0.00% 0.00%
A/B Membership Savings $100.00 plus 0.15% 0.15%
S xx Special Savings $100.00 plus 0.15% 0.15%
Q Holiday Club Account $20.00 plus 0.20% 0.20%
DF Regular Checking All 0.00% 0.00%
HSA Health Savings Accounts See Money Market Rates    
DF Money Market Checking $2,000 to $9,999.99 0.15% 0.15%
DF Money Market Checking $10,000 to $24,999.99 0.17% 0.17%
DF Money Market Checking $25,000 to $49,999.99 0.20% 0.20%
DF Money Market Checking $50,000 plus 0.25% 0.25%

*APY is the Annual Percentage Yield.
Dividends for all above accounts are paid monthly on an average daily balance. Savings and Checking account dividends will be declared by the Board of Directors each month. The above yields represent what was paid during the last month. Under-18 savings accounts will earn dividends at minimum balance of $25.

TIME SHARE CERTIFICATES (includes IRA)
Effective August 19, 2014
TERM MINIMUM BALANCE APY* RATE PENALTY (IN DAYS)
3 Months $500 - $9,999 0.15% 0.15% 30 days
3 Months $10,000 - OVER 0.20% 0.20% 30 days
6 Months $500 - $9,999 0.20% 0.20% 90 days
6 Months $10,000 - OVER 0.30% 0.30% 90 days
12 Months $500 - $9,999 0.25% 0.25% 180 days
12 Months $10,000 - OVER 0.35% 0.35% 180 days
18 Months $500 - $9,999 0.25% 0.25% 180 days
18 Months $10,000 - OVER 0.35% 0.35% 180 days
24 Months $500 - $9,999 0.40% 0.40% 180 days
24 Months $10,000 - OVER 0.50% 0.50% 180 days
36 Months $500 - $9,999 0.80% 0.80% 180 days
36 Months $10,000 - OVER 1.01% 1.00% 180 days
48 Months $500 - $9,999 1.26% 1.25% 180 days
48 Months $10,000 - OVER 1.46% 1.45% 180 days
60 Months $500 - $9,999 1.56% 1.55% 180 days
60 Months $10,000 - OVER 1.82% 1.80% 180 days

*APY is the Annual Percentage Yield.
Interest for all Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Penalty will never exceed the amount of interest actually earned.