Deposit Rates

Table data for Basic Savings Account Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$10	.05%	.05%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Secondary Savings (Special, Christmas, Tax, Vacation)
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$10	.05%	.05%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Advantage Savings Account Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$500	.05%	.05%

$10	$2,500	.10%	.10%

$10	$10,000	.15%	.15%

$10	$25,000	.20%	.20%

$10	$50,000	.25%	.25%

$10	$100,000	.30%	.30%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Advantage Plus Savings Account Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$50,000	$50,000	.45%	.45%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Money Market Account Rates
Rates effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$2,500	$2,500	.10%	.10%

$2,500	$25,000	.50%	.50%

$2,500	$50,000	.75%	.75%

$2,500	$100,000	1.75%	1.77%

$2,500	$250,000	2.00%	2.02%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Easy Money Market Account Rates
Rates effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10,000	$10,000	.40%	.40%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Basic Checking Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	N/A	N/A	N/A

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Advantage Checking Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$1,000	.05%	.05%

$10	$10,000	.05%	.05%

$10	$25,000	.05%	.05%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for IRA Advantage Savings Rates
Effective 12-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$10	.05%	.05%

$10	$2,500	.10%	.10%

$10	$10,000	.15%	.15%

$10	$25,000	.20%	.20%

$10	$50,000	.25%	.25%

$10	$100,000	.30%	.30%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Flexible Term Certificates - Term Share & IRA
Rates effective 12-21-2024
Term	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Special! 11 Months!	$500	$500	4.17%	4.25%

6 to 11 Months	$500	$500	1.00%	1.00%

12 to 23 Months	$500	$500	1.50%	1.51%

24 to 35 Months	$500	$500	2.25%	2.27%

36 to 47 Months	$500	$500	2.50%	2.53%

48 to 59 Months	$500	$500	2.60%	2.63%

60 to 71 Months	$500	$500	2.75%	2.78%

72 to 83 Months	$500	$500	2.75%	2.78%

84 to 96 Months	$500	$500	2.75%	2.78%

Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Dividends are compounded monthly and will be credited to your account monthly. Withdrawals or fees may reduce the earnings on these accounts. Penalties may be incurred for early withdrawals. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.