DIVIDEND RATES

Account Type Annual Percentage Rate Annual Percentage Yield Minimum Balance Requirement
Share (Savings) 1.00%
1.25%		 1.00%
1.26%		 Less than $10,000.00
Over $10,000.00
Share Draft
(Checking)		 0.35%
0.75%		 0.35%
0.75%		 Less than $500.00
Over $500.00
IRA 2.50% 2.52% NONE
Christmas Club 1.75% 1.76% NONE
Vacation Club 1.75% 1.76% NONE

effective: October, 2009

Share Certificates (CD's)

Please call the Audio Response System...973-351-7731, Option #1, then Option #7 for the current Share Certificate rates.
 

*** RATES SUBJECT TO CHANGE WITHOUT NOTICE***