Deposit &
Loan Rates

Term Share Certificates¹

$500 minimum balance required

6 Month	0.35% APY*
12 Month	0.50% APY*
13 Month $<25,000	1.50% APY*
13 Month $25,000 to <$75,000	1.75% APY*
13 Month $75,000 to <$200,000	2.00% APY*
13 Month greater than $200,000	2.10% APY*
18 Month	0.55% APY*
24 Month	0.60% APY*
30 Month	0.70% APY*
36 Month	0.75% APY*
48 Month	0.90% APY*

Junior Share Certificates¹

$250 minimum balance required

6 Month	0.35% APY*
12 Month	0.50% APY*
13 Month $<25,000	1.50% APY*
13 Month $25,000 to <$75,000	1.75% APY*
13 Month $75,000 to <$200,000	2.00% APY*
13 Month greater than $200,000	2.10% APY*
18 Month	0.55% APY*
24 Month	0.60% APY*
30 Month	0.70% APY*
36 Month	0.75% APY*
48 Month	0.90% APY*

IRA and Roth Term Share Certificate¹

$500 minimum opening balance required

12 Month	0.50% APY*
18 Month	0.55% APY*
24 Month	0.60% APY*
30 Month	0.70% APY*
36 Month	0.75% APY*
48 Month	0.90% APY*

Coverdell (Educational IRA)¹

$250 minimum opening balance required

12 Month	0.50% APY*
18 Month	0.55% APY*
24 Month	0.60% APY*
30 Month	0.70% APY*
36 Month	0.75% APY*
48 Month	0.90% APY*

Share Savings Account¹

>$250	0.10% APY*
>$2,500	0.15% APY*
>$10,000	0.20% APY*

Money Market Account¹

>$500	0.10% APY*
>$5,000	0.20% APY*
>$10,000	0.30% APY*
>$25,000	0.60% APY*
>$50,000	0.90% APY*

Share Draft Accounts¹

Dividends compounded and credited monthly, Rewards accounts only

0.05% APY*

Christmas Club Savings¹

Dividends compounded and credited monthly

0.15% APY*

 Vacation Share Savings¹

Dividends compounded and credited monthly

0.15% APY*

 Health Savings Account¹

Dividends compounded and credited monthly

0.05% APY*

Traditional IRA & Roth Savings¹

<$5,000	0.25% APY*
>$5,000	0.55% APY*

Educational IRA Savings Account¹

Dividends compounded and credited monthly

0.55% APY*