Rates

High-Yield Checking Dividend Rates

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Qualifications Met, Balance ≤ $10,000	3.93%	4.00%	Monthly	$0
Qualifications Met, Balance > $10,000	0.10%	0.10%	Monthly	$0
Qualifications Not Met, All Balances	0.05%	0.05%	Monthly	$0

Rates as of 12/21/2024.
*The rate and Annual Percentage Yield (APY) stated for Share Draft Checking Accounts is declared by the Board of Directors and is subject to change at any time. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.

Primary Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Primary Share Savings	.15%	.15%	Monthly	$5

Rates as of 12/21/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.

Holiday Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Holiday Share Savings	.15%	.15%	Monthly	$0

APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.

Special Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Special Share Savings	.15%	.15%	Monthly	$0

APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.

Business Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Business Share Savings	.15%	.15%	Monthly	$5

Rates as of 12/21/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.

Special Business Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Special Business Share Savings	.15%	.15%	Monthly	$0

Rates as of 12/21/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Special Share Business Savings Accounts is declared by the Board of Directors and is subject to change at any time.

Money Market Accounts

Balance	Dividend Rate	APY*
$0 - $2,499.99	0.20%	0.20%
$2,500.00 - $24,999.99	0.40%	0.40%
$25,000.00 - $74,999.99	1.04%	1.05%
$75,000.00 - $149,999.99	1.29%	1.30%
$150,000.00 - $249,999.99	1.64%	1.65%
$250,000.00 - $499,999.99	2.03%	2.05%
$500,000.00+	2.47%	2.50%

*APY=Annual Percentage Yield. The Money Market Account is a tiered rate account. The dividend rate for a balance of $50,000 is 1.05% APY. Rates apply to the entire balance, not just the amount over the tier threshold. Dividends are calculated daily and compounded monthly. Other restrictions may apply. Rates as of 12/21/2024 and can change at any time without notice.

IRA Share Savings

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Share IRA	.15%	.15%	Monthly	$0

Rates as of 12/21/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.

IRA Certificate Accounts

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
10 Month Special	4.121%	4.20%	Monthly	$500
6 Months IRA	2.080%	2.10%	Monthly	$500
12 Month IRA	2.667%	2.70%	Monthly	$500
18 Month IRA	3.203%	3.25%	Monthly	$500
24 Month IRA	3.251%	3.30%	Monthly	$500
36 Month IRA	3.300%	3.35%	Monthly	$500
48 Month IRA	3.397%	3.45%	Monthly	$500
60 Month IRA	3.542%	3.60%	Monthly	$500

Rates as of 12/21/2024. APY=Annual Percentage Yield. APY assumes interest remains on deposit until maturity. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.

Certificate Special Accounts

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
5 Month	4.362%	4.45%	Monthly	$500
10 Month	4.121%	4.20%	Monthly	$500

APY=Annual Percentage Yield. Early withdrawal penalties may apply.
Rate and Yields are subject to change. APY assumes interest remains on deposit until maturity. Certificate Specials are not available for IRAs. Other restrictions may apply. 

Term Share Certificate Accounts

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
6 Month	1.982%	2.00%	Monthly	$500
12 Month	2.570%	2.60%	Monthly	$500
18 Month	3.105%	3.15%	Monthly	$500
24 Month	3.154%	3.20%	Monthly	$500
36 Month	3.203%	3.25%	Monthly	$500
48 Month	3.300%	3.35%	Monthly	$500
60 Month	3.445%	3.50%	Monthly	$500

APY=Annual Percentage Yield. Early withdrawal penalties may apply.
This rate sheet is incorporated into the Account Agreements and Disclosures. The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days. Rates and yields are subject to change at any time. APY assumes interest remains on deposit until maturity.