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Rates subject to change daily;call 757-463-3650 for currant rates.

Term Share Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend rates as of
6/30/2017
$1,000 min. 6 mos.  0.01%** 0.01%**
$1,000 min. (dividend compounded) 12 mos.  0.04%** 0.04%**
$1,000 min. (paid to shares) 12 mos.  0.04%** 0.04%**
$500 min. “Builder” 12 mos.  0.04%** 0.04%**
$1,000 min. 24 mos.  0.05%** 0.05%**
$1,000 min. 36 mos.  0.10%** 0.10%**
$1,000 min. 48 mos.  0.12%** 0.12%**
$250 min. (youth account) 12 mos.  0.04%** 0.04%**

Individual Retirement Accounts1

Dividend Rate 06-30-17 Annual Percentage Yield
Dividend Rate as of 6-30-17
.015%** .0.150%**
Dividend Rate 09-30-17 Annual Percentage Yield
Dividend Rate as of 9-30-17
.015%** .0150%**

Term Share Individual Retirement Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend Rate as of 6-30-17
$1,000 min. 12 mos. 0.04%** 0.04%**
$1,000 min. 24 mos. 0.05%** 0.05%**
$1,000 min. 36 mos. 0.10%** 0.10%**
$1,000 min. 48 mos. 0.12%** 0.12%**

Prime Share($100 average daily balance to earn a dividend) Minimum opening balance $25.002

Dividend Rate Annual Percentage Yield
Dividend Rate as of 6-30-17
.01%** .0100%**

Youth Share ($5 average daily balance to earn a dividend)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 6-30-17
.01%** .0100%**

Holiday Club ($200 average daily balance to earn a dividend**)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 6-30-17
.01** .0100%**

Summer Club ($300 average daily balance to earn a dividend**)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 6-30-17
.01** .0100**

SmartChoice Money Market

Tier One: Annual Percentage Yield
Dividend Rate as of 6-30-17
$5,000 – $24,999 .01%**
Tier Two: Annual Percentage Yield
Dividend Rate as of 6-30-17
$25,000 – $49,999 .01%**
Tier Three: Annual Percentage Yield
Dividend Rate as of 6-30-17
$50,000 and up .015**

** Rates may change without notice.

1 Early withdrawal penalties may apply. 2 Inactivity fees may reduce the earnings on your account.

Certificates

Dividend rates fixed for the term. Penalties for early withdrawal may apply.

Money Market Disclosures:

The minimum to open the accounts is $5,000.00. The account will pay monthly dividends on the average daily balance of $5,000.00 or more (ask for details). You can make up to 6 withdrawals each month. Limited check writing capabilities, free checks provided.  ** Rates may change without notice.

BlkENGinsurlabel GifYour savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. More Information