• A $25.00 minimum balance is required in opening and maintaining membership status.
• Dividends are compounded and paid quarterly. Actual payment occurs at calendar quarter end.
• If you close your account before accrued dividends are credited, accrued dividends will not be paid.
• Dividend rates are subject to change on the first business day of each calendar quarter. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

• The Super Green account has a 3 tiered earnings scale.  The tier balance requirements are as follows:   Tier 1...$10,000 to 24,999.99 - Tier 2... 25,000 to$49,999.99 - Tier 3...50,000 and above.
• The dividend rate paid will be based on the daily balance in the Super Green account. Dividends are compounded daily and paid monthly. Actual payment occurs at calendar month end
• If you close your account before month end, dividends are calculated through the close out date and credited to the account.
• Dividend rates are subject to change on the first business day of each calendar month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

• No minimum to open account
• Dividends are compounded and paid quarterly. Actual payment is at calendar quarter end.
• If you close your account before accrued dividends are credited, accrued dividends will not be paid
• Dividend rates are subject to change on the first business day of each calendar quarter. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
• A fee of $25.00 is charged when the account is closed.

• No minimum to open account
• Dividends are compounded and paid quarterly. Actual payment is at calendar quarter end.
• If you close your account before accrued dividends are credited, accrued dividends will not be paid.
• Dividend rates are subject to change on the first business day of each calendar quarter. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
• A fee of $35.00 is charged should the account be closed before October 31 ^st. Once the account is closed the member cannot participate in the program until  the beginning of the next Christmas club year, which is November 1^st.
• Dividends are compounded and paid quarterly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.

 Certificates

• Annual Percentage Yield (APY) assumes that dividends are paid quarterly to the Certificate. If dividends are paid to any other account, the APY may vary slightly.
• Dividends may be payable to: the Certificate, your Share Savings Account or by check payable to you.
• Minimum balance to open a certificate of 3 months is $100.00, 6 or 12 months is $500.00; 18 or 24 months is$1000.00;  36 or 48 months is $2,500.00.  In addition we now have the Jumbo CD as follows 12 months with a minimum of $25,000.00 and  18 months with $50,000.00 minimum to open.
• Early withdrawals penalties for 3, 6 or 12 month certificates would be 30 days of interest; 18 or 24 month certificates would be 60 days of interest . The penalty for our Jumbo CD is 12 months  the penalty would be 90 days of interest and on the Jumbo CD for 18 months the penalty would be 180 days interest.