Dividend Rates ACCOUNT TYPE DIVIDEND RATE ANNUAL PERCENTAGE YIELD* MINIMUM TO OPEN MINIMUM TO EARN DIVIDEND DIVIDEND FREQUENCY Regular Share 0.10% 0.10% $50 Average Daily Balance of $50 Quarterly Secondary Share 0.10% 0.10% $50 in Regular Share Average Daily Balance of $50 Quarterly Share Draft (Checking) 0.00% 0.00% $50 in Regular Share & $20 in Share Draft N/A N/A Christmas Savings 0.10% 0.10% $50 in Regular Share N/A  Quarterly * Dividends and Annual Percentage Yields may change quarterly (monthly on Share Draft Accounts) as determined by the Board of Directors. Fees may reduce earnings.

VISA® Interest Rates LOAN TYPE ANNUAL PERCENTAGE RATE GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES METHOD OF COMPUTING THE BALANCE ANNUAL FEES CASH ADVANCE FEE LATE PAYMENT FEE OVER LIMIT FEE  VISA® Platinum 9.5% 25 Days Average Daily Balance (Including New Purchases) None None None  None All rates listed here are subject to change at any time without notice. Call us at 808-931-8000 for current rates.

Consumer and Mortgage Loan Rates Call 808-931-8000 for current rates.