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	.25	.25	See disclosure for additional information
PMA	$15,000-$29,999.99	.40	.40	See disclosure for additional information
PMA	$30,000-$74,999.99	.50	.50	See disclosure for additional information
PMA	$75,000 +	.60	.60	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 +	1.00	1.00	Minimum $5 to open an account
ESA (Coverdell)	$25 +	1.14	1.15	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 +	1.19	1.20
12 Months	$2500 +	1.69	1.70
24 Months	$2500 +	1.98	2.00
36 Months	$2500 +	2.28	2.30
48 Months	$2500 +	2.72	2.75
12-Months Save to Win	$25 +	.25	.25

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