Deposit Rates

Everyday Checking

	Dividend Rate	Annual Percentage Yield	Dividends Credited
Everyday Account	None	None	None	Open an Account
Everyday Account w/Interest	0.20 %	0.20 %	Monthly	Open an Account
Everyday Account w/High-Yield Savings	3.69 % (rate applies to savings account only)	3.75 % (rate applies to savings account only)	Monthly	Open an Account

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure | eStatement Enrollment

Savings

	Dividend Rate	Annual Percentage Rate	Dividends Credited
Savings	0.25 %	0.25 %	Quarterly	Open an Account
Everyday Account w/High-Yield Savings	3.69 %	3.75 %	Monthly	Open an Account

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure | eStatement Enrollment

Money Market Plus

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Account Balance	Dividend Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit	Minimum Balance to Earn Stated APY
$1,000 - $9,999	0.75 %	0.75 %	$1,000	$1,000
$10,000 - $24,999	1.00 %	1.00 %	$10,000	$10,000
$25,000 - $49,999	1.24 %	1.25 %	$25,000	$25,000
$50,000 - $99,999	2.13 %	2.15 %	$50,000	$50,000
$100,000 - $249,999	3.11 %	3.15 %	$100,000	$100,000
$250,000+	3.11 %	3.15 %	$250,000	$250,000

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure

Account transfer and withdrawal limitations apply. Dividends are compounded and credited monthly.

Health Savings Account

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Account Balance	Dividend Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit	Minimum Balance to Earn Stated APY
$0 - $2,499	0.25 %	0.25 %	$25.00	-
$2,500 - $4,999	0.30 %	0.30 %	$25.00	$2,500
$5,000 - $9,999	0.35 %	0.35 %	$25.00	$5,000
$10,000+	0.40 %	0.40 %	$25.00	$10,000

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure

Account transfer and withdrawal limitations apply. Dividends are compounded and credited monthly.

Traditional Certificate of Deposit (CD)

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Deposits under $25,000

	Account Balance $500		Account Balance $10,000
Fixed Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)
90 Day	2.38 %	2.40 %	2.48 %	2.50 %
6 Month	3.75 %	3.80 %	3.84 %	3.90 %
90 Day Add-on Certificate	2.38 %	2.40 %	-	-
6 Month Add-on Certificate	3.75 %	3.80 %	-	-
1 Year	3.75 %	3.80 %	3.84 %	3.90 %
18 Month	3.36 %	3.40 %	3.46 %	3.51 %
2 Year	3.26 %	3.30 %	3.36 %	3.40 %
3 Year	3.16 %	3.20 %	3.26 %	3.30 %
4 Year	3.16 %	3.20 %	3.26 %	3.30 %
5 Year	3.16 %	3.20 %	3.26 %	3.30 %

Deposits over $25,000

	Account Balance $25,000		Account Balance $100,000
Fixed Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)
90 Day	2.58 %	2.61 %	2.67 %	2.70 %
6 Month	3.94 %	4.00 %	4.04 %	4.10 %
90 Day Add-on Certificate	-	-	-	-
6 Month Add-on Certificate	-	-	-	-
1 Year	3.94 %	4.00 %	4.04 %	4.10 %
18 Month	3.55 %	3.60 %	3.65 %	3.70 %
2 Year	3.46 %	3.51 %	3.55 %	3.60 %
3 Year	3.36 %	3.40 %	3.46 %	3.51 %
4 Year	3.36 %	3.40 %	3.46 %	3.51 %
5 Year	3.36 %	3.40 %	3.46 %	3.51 %

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure

Account limitations, deposit, and withdrawal limitations apply. 90 day IRA Certificates and 90 day Add-on IRA Certificates are not available. Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only. Dividends are credited quarterly. You have the option to have a check issued or dividends transferred to another account either monthly or quarterly. The dividend rate and annual percentage yield (APY) are subject to change without notice. Dividends are compounded and credited quarterly.

IRA

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	Dividend Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
IRA	0.35 %	0.35 %	$25

Rates Effective 12-19-24

Learn More | Fee Schedule | Truth-in-Savings Disclosure

No monthly account fee and no minimum balance fee. Dividends are compounded and credited quarterly. Account transfer limitations apply.

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