Savings/Checking Accounts

Account Type Dividend Rate APY**
Savings & Payable on Death Account
(Up to $4.99 ADB)
0.00% 0.00%
Savings & Payable on Death Account
($5.00 or more ADB)
0.10% 0.10%
Teen/Youth Account
($5.00 or more ADB)
0.40% 0.40%
Holiday Club Account
($5.00 or more ADB)
0.40% 0.40%
IRA Share Account
($25 or more minimum ADB)
0.40% 0.40%
Basic Checking Accounts 0.00% 0.00%
Secure Checking Accounts
(Up to $2,499.99 ADB)
0.00% 0.00%
Secure Checking Accounts
($2,500.00 or more ADB)
0.25% 0.25%

Term Share Certificates

Term Dividend Rate APY**
3 Months
($500 or more minimum balance)
0.50% 0.50%
6 Months
($500 or more minimum balance)
0.90% 0.90%
12 Months
($1,000 or more minimum balance)
1.30% 1.31%
12 Months Jumbo
($25,000 or more minimum balance)
1.40% 1.41%
24 Months
($1,000 or more minimum balance)
1.55% 1.56%
24 Months Step-Up
($5,000 or more minimum balance)
1.55% 1.56%
24 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.65% 1.66%
36 Months
($1,000 or more minimum balance)
1.80% 1.81%
36 Months Step-Up
($5,000 or more minimum balance)
1.80% 1.81%
36 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.90% 1.91%
48 Months
($1,000 or more minimum balance)
2.00% 2.02%
48 Months Step-Up
($5,000 or more minimum balance)
2.00% 2.02%
48 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.10% 2.12%
60 Months
($1,000 or more minimum balance)
2.30% 2.32%
60 Months Step-Up
($5,000 or more minimum balance)
2.30% 2.32%
60 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.40% 2.42%

IRA Term Share Certificates

Term Dividend Rate APY**
3 Months
($500 or more minimum balance)
0.50% 0.50%
6 Months
($500 or more minimum balance)
0.90% 0.90%
12 Months
($500 or more minimum balance)
1.40% 1.41%
12 Months Jumbo
($25,000 or more minimum balance)
1.40% 1.41%
24 Months
($500 or more minimum balance)
1.65% 1.66%
24 Months Step-Up
($5,000 or more minimum balance)
1.65% 1.66%
24 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.65% 1.66%
36 Months
$500 or more minimum balance)
1.90% 1.91%
36 Months Step-Up
($5,000 or more minimum balance)
1.90% 1.91%
36 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.90% 1.91%
48 Months
($500 or more minimum balance)
2.10% 2.12%
48 Months Step-Up
($5,000 or more minimum balance)
2.10% 2.12%
48 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.10% 2.12%
60 Months
($500 or more minimum balance)
2.40% 2.42%
60 Months Step-Up
($5,000 or more minimum balance)
2.40% 2.42%
60 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.40% 2.42%

ADB = Average Daily Balance **APY = Annual Percentage Yield.