Interest Rates

Share Certificates

Term Rate APY 6 MO 0.20% 0.20% 12 MO 0.25% 0.25% 18 MO 0.35% 0.35% 24 MO 0.45% 0.45% 30 MO 0.55% 0.55% 36 MO 0.65% 0.65% Comments & Restrictions $1,000 Minimum to open. Subject to early withdrawal penalties. All certificates of deposit automatically renew.

Individual Retirement Account Certificates

Term Rate APY 12 MO 0.50% 0.50% 18 MO 0.55% 0.55% 30 MO 0.65% 0.65% Comments & Restrictions $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.

Jumbo Share Certificate

Term Rate APY 6 MO 0.40% 0.40% 12 MO 0.55% 0.55% 18 MO 0.60% 0.60% 24 MO 0.70% 0.70% 36 MO 0.75% 0.75% 48 MO 085% 0.85% 60 MO 0.95% 0.95% Comments & Restrictions $10,000 Minimum to open. Subject to early withdrawal penalties. All Jumbo Share Certificates automatically renew.

Roth IRA Certificates

Term Rate APY 12 MO 0.50% 0.50% 18 MO 0.55% 0.55% 30 MO 0.65% 0.65% Comments & Restrictions $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.

Educational IRA Certificates

Term Rate APY 12 MO 0.50% 0.50% 18 MO 0.55% 0.55% 30 MO 0.65% 0.65% Comments & Restrictions $500 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.

Money Market Fund

Rate APY 0.25% 0.25% Comments & Restrictions Dividends paid on balances over $2,500.00. Rates subject to certain requirements, restrictions and service charges.

Savings & Checkings

Account Type Rate APY Comments Regular Share Account 0.15% 0.15% Dividends paid on balances over $500.00. Youth Share Account 0.15% 0.15% Dividends paid on balances over $100.00 Christmas Club Account 0.15% 0.15% Dividends paid on balances over $1.00 Share Secured Account 0.15% 0.15% Dividends paid on balances over $500.00. IRA Share Account 0.25% 0.25% Minimum