Share Saving Rates Rates effective 7/1/08 at 12:00am Name Dividend Rate   APY       Min     Action 1. Share Savings 0.25% 0.25% $5.00 2. Holiday 0.25% 0.25% N/A 3. It's For Me 0.25% 0.25% N/A 4. IRA 0.25% 0.25% N/A High-Yield Saving Rate Rates effective 11/1/08 at 12:00am Name Dividend Rate   APY       Min     Action High-Yield Savings 3.54% 3.60% $5000.00 Share Draft Checking Rates Rates effective 7/1/08 at 12:00am Name Dividend Rate   APY   Action 1. Student Checking 0.00% 0.00% 2. FREE Checking 0.00% 0.00% 3. 55+ Checking 0.15% 0.15% 4 Checking for High-Yield Savings 0.00% 0.00% Money Market Rates Rates effective 11/1/08 at 12:00am Name Dividend Rate   APY       Min     Action Money Market 1.85% 1.87% $1000.00 Money Market Plus 1.95% 1.97% $10000.00 Money Market Plus (over $25,000) 2.00% 2.02% $25000.00
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APY = Annual Percentage Yield. This is a variable rate and the dividend rate for the current quarter is declared at the last monthly Board of Director meeting of the quarter.  Fees such as a penalty for early withdrawal on Share CDs may reduce earnings.   Telhio products and services  are available to everyone who lives, works, worships or attends school in Franklin County and some selected communities beyond. Share CD deposits are insured by the NCUA and limits set forth by that organization are in effect for all insured deposits.