| 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 |