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Rates

Effective Date: November 29, 2023

Deposit Rates

Savings and Checking Rates
Account Type	Interest Rate	APY¹
Select Checking	0.02%	0.02%
Elite Checking	0.25%	0.25%
Elite Money Market Account	4.81%	4.92%
Statement Savings: Tier 1: $0.00 to $2500.00	0.05%	0.05%
Tier 2: $2500.01 to $20,000.00	0.45%	0.45%
Tier 3: $20,000.01 to $50,000.00	0.50%	0.50%
Tier 4: $50,000.01 to $75,000.00	2.00%	2.02%
Tier 5: $75,000.01 and above	2.55%	2.58%
Christmas Club/ Goal Savings	0.02%	0.02%
E Checking	N/A	N/A

See Deposit Products to find the minimum requirements to earn the disclosed interest rates and for the minimum amounts required to open the different types of accounts.

¹APY = Annual Percentage Yield. Annual Percentage Yield assumes interest is accumulated to account balance.

The interest rate may change after the account is opened.

Certificate of Deposit Rates

Certificates of Deposit (CD's) & IRA Accounts
Term	Interest Rate	APY¹
3 Month	3.50%	3.55%
6 Month	3.70%	3.75%
7 Month Special Renews for 12 Month Term	5.05%	5.15%
40 Month Special Renews for 12 Month Term	4.25%	4.18%
12 Month	1.35%	1.36%
18 Month (Renewal Only)	1.00%	1.00%
21 Month (Renewals Only)	0.15%	0.15%
24 Month	3.03%	3.00%
30 Month (Renewal Only)	0.75%	0.75%
36 Month	3.29%	3.25%
42 Month (Renewals Only)	0.15%	0.15%
48 Month	2.17%	2.15%
60 Month	3.19%	3.15%

See Deposit Products to find the minimum requirements to earn the disclosed interest rates and for the minimum amounts required to open the different types of accounts.

¹APY = Annual Percentage Yield. Annual Percentage Yield assumes all principal and interest remain on deposit for the entire term.

A penalty may be imposed for early withdrawal.

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