Effective August 1, 2018

Type of Account
Minimum Balance*
Dividends Paid
Dividend
Rate
APY**
Regular Share
$200
Quarterly
0.150%
0.15%
Share Draft
$500
Quarterly
0.150%
0.15%
Youth Shares***
$200
Quarterly
2.000%
2.02%
Club Accounts
$200
Quarterly
0.150%
0.15%
IRA Accounts
Quarterly
0.060%
0.06%
Share Certificates
$50,000
6 Months
0.300%
0.30%
$50,000
12 Months
0.500%
0.50%
$50,000
24 Months
0.700%
0.70%
$50,000
36 Months
0.900%
0.90%
$10,000
6 Months
0.250%
0.25%
$10,000
12 Months
0.450%
0.45%
$10,000
24 Months
0.600%
0.60%
$10,000
36 Months
0.850%
0.85%
$1,000
6 Months
0.200%
0.20%
$1,000
12 Months
0.350%
0.35%
$1,000
24 Months
0.500%
0.50%
$1,000
36 Months
0.700%
0.70%

*Minimum Balance listed is minimum balance required to earn dividends. The minimum balance to maintain the account may be different. Please review the account disclosure for more details.

**APY = Annual Percentage Yield

***Youth share accounts are for members under the age of 18. The premium dividend rate will only apply to the first $1,000 on deposit. Funds in excess of $1,000 will earn the Regular Share rate.

For purposes of this disclosure, the dividend rate and Annual Percent Yield APY stated for the term share accounts were offered within the most recent seven calendar days. All rates are subject to change without notice. Please call (209) 521-2020 to obtain current rate information. The dividend rate and Annual Percentage Yield for regular share accounts are accurate as of the last dividend declaration date.