Rates

Account Type	Minimum Dividend Earning Amount	Dividend Rate	APY*	Stipulations
Regular Shares	$25-$999.99	.05	.05	Minimum $5 to open an account
Regular Shares	$1,000-4,999.99	.10	.10	Minimum $5 to open an account
Regular Shares	$5,000-24,999.99	.15	.15	Minimum $5 to open an account
Regular Shares	$25,000+	.18	.18	Minimum $5 to open an account
PMA	$2500-14,999.99	.15	.15	See disclosure for additional information
PMA	$15,000-$29,999.99	.20	.20	See disclosure for additional information
PMA	$30,000-$74,999.99	.25	.25	See disclosure for additional information
PMA	$75,000 +	.30	.30	See disclosure for additional information
Kirby Kangaroo Club	$25-$999.99	.05	.05	Minimum $5 to open an account
Kirby Kangaroo Club	$1,000-4,999.99	.10	.10	Minimum $5 to open an account
Kirby Kangaroo Club	$5,000-24,999.99	.15	.15	Minimum $5 to open an account
Kirby Kangaroo Club	$25,000+	.18	.18	Minimum $5 to open an account
IRA (Traditional, Roth)	$25 +	.85	.85	Minimum $5 to open an account
ESA (Coverdell)	$25 +	1.09	1.10	Minimum $5 to open an account
Christmas Club	$25 +	.20	.20	Minimum $5 to open an account
Vacation Club	$25-$999.99	.05	.05	Minimum $5 to open an account
Vacation Club	$1,000-4,999.99	.10	.10	Minimum $5 to open an account
Vacation Club	$5,000-24,999.99	.15	.15	Minimum $5 to open an account
Vacation Club	$25,000+	.18	.18	Minimum $5 to open an account

Term	Amount	Dividend Rate	APY*
6-11 Months	$2500 +	0.40	0.40
12 Months	$2500 +	0.60	0.60
24 Months	$2500 +	0.80	0.80
36 Months	$2500 +	1.25	1.26
48 Months	$2500 +	1.60	1.61
12-Months Save to Win	$25 +	.25	.25

Certificate rates and yields are based on a quarterly dividend.
*APY = Annual Percentage Yield