Effective January 1, 2020

Type of Account
Minimum Balance to Open
Minimum Balance to Earn Dividends
Dividends Paid
Dividend
Rate
APY*
Regular Share
$5.00
$200
Quarterly
0.300%
0.30%
Share Draft
$0.00
$500
Quarterly
0.300%
0.30%
Youth Shares**
$5.00
$200
Quarterly
2.000%
2.02%
Club Accounts
$0.00
$200
Quarterly
0.300%
0.30%
IRA Accounts
$0.00
Quarterly
0.300%
0.30%
Share Certificates
$50,000
$50,000
6 Months
0.798%
0.80%
$50,000
$50,000
12 Months
1.393%
1.40%
$50,000
$50,000
24 Months
1.541%
1.55%
$50,000
$50,000
36 Months
1.679%
1.69%
$10,000
$10,000
6 Months
0.848%
0.85%
$10,000
$10,000
12 Months
1.393%
1.40%
$10,000
$10,000
24 Months
1.541%
1.55%
$10,000
$10,000
36 Months
1.679%
1.69%
$1,000
$1,000
6 Months
0.698%
0.70%
$1,000
$1,000
12 Months
0.947%
0.95%
$1,000
$1,000
24 Months
1.096%
1.10%
$1,000
$1,000
36 Months
1.196%
1.20%

*APY = Annual Percentage Yield.  Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

**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.