Savings Rates

Time Based Savings Rates Effective as of 7/1/2025

Share Certificates

Term	APY*
6 Months	3.56%
12 Months	3.05%
15 Months	0.10%
18 Months	2.02%
24 Months	2.02%
30 Months	2.02%
36 Months	2.53%
48 Months	2.79%
60 Months	3.05%

*APY = Annual Percentage Yield. $1,000 minimum opening deposit for standard Certificates. $500 minimum opening deposit for IRA Certificates and Smart Start Certificates. Early withdrawal penalty fees may reduce earnings on account. Maintenance or activity fees could reduce earnings on the account. Rates are subject to change without notice. Other restrictions may apply.

Savings Accounts

Account Type	APY*
Primary Savings	0.05%
Special Savings	0.05%
Smart Savings (15-24)	0.05%
Kids Club Account (14 and under)	0.05%

*APY = Annual Percentage Yield. Minimm opening deposit of $5.00 for Savings account. Maintenance or activity fees could reduce earnings on the account. Rates are subject to change without notice. Other restrictions may apply.

Money Market

Balance	APY*
$2,500 - $9,999	0.15%
$10,000 - $24,999	0.50%
$25,000 - $49,999	1.26%
$50,000 and over	2.02%

*APY = Annual Percentage Yield. Minimum deposit of $2,500. Maintenance or activity fees could reduce earnings on the account. Rates are subject to change without notice. Other restrictions may apply.

IRA Money Market

Balance	APY*
$0 - $2,499	0.05%
$2,500 - $9,999	0.15%
$10,000 - $24,999	0.50%
$25,000 - $49,999	0.10%
$50,000 and over	0.10%

*APY = Annual Percentage Yield.

Premium Checking

Tiers	APY*
$0 to $999	0.00%
$1,000 and over	0.00%

Minimum depost $5.00