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Dividend Compounding and Crediting

Account Type Compounding & Crediting Frequency
Savings Accounts:
Share Savings and Star Tiered Savings Quarterly
Special Shares (including WinCentive) Quarterly
Christmas Club, Cub Club, LEAP Club Quarterly
IRA and HSA Quarterly
Term Certificate Accounts:
3-Month Term Share Certificate At Maturity
6-Month to 60-Month Certificates Semiannually
6-Month to 60-Month IRA Certificates Semiannually
Certificate Specials – Terms vary Compounding schedule set with each special
Checking Accounts:
Consumer Share Draft/Checking Accounts Monthly