Deposit &
Loan Rates

Term Share Certificates¹

$500 minimum balance required

6 Month	0.75% APY*
12 Month	1.00% APY*
13 Month < $25,000	2.15% APY*
13 Month $25,000 to < $75,000	2.35% APY*
13 Month $75,000 to < $200,000	2.55% APY*
13 Month greater than $200,000	2.75% APY*
18 Month	1.25% APY*
24 Month	1.50% APY*
30 Month	1.65% APY*
36 Month	1.75% APY*
48 Month	2.00% APY*

Junior Share Certificates¹

$250 minimum balance required

6 Month	0.75% APY*
12 Month	1.00% APY*
13 Month < $25,000	2.15% APY*
13 Month $25,000 to < $75,000	2.35% APY*
13 Month $75,000 to < $200,000	2.55% APY*
13 Month greater than $200,000	2.75% APY*
18 Month	1.25% APY*
24 Month	1.50% APY*
30 Month	1.65% APY*
36 Month	1.75% APY*
48 Month	2.00% APY*

IRA and Roth Term Share Certificate¹

$500 minimum opening balance required

12 Month	1.00% APY*
18 Month	1.25% APY*
24 Month	2.75% APY*
30 Month	1.65% APY*
36 Month	1.75% APY*
48 Month	3.25% APY*

Coverdell (Educational IRA)¹

$250 minimum opening balance required

12 Month	1.00% APY*
18 Month	1.25% APY*
24 Month	2.75% APY*
30 Month	1.65% APY*
36 Month	1.75% APY*
48 Month	3.25% APY*

Share Savings Account¹

>$250	0.15% APY*
>$2,500	0.20% APY*
>$10,000	0.25% APY*

Money Market Account¹

>$500	0.25% APY*
>$5,000	0.35% APY*
>$10,000	0.50% APY*
>$25,000	0.80% APY*
>$50,000	1.35% APY*

Share Draft Accounts¹

Dividends compounded and credited monthly, Rewards accounts only

0.05% APY*

Christmas Club Savings¹

Dividends compounded and credited monthly

0.20% 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	0.40% APY*
>$5,000	0.85% APY*

Educational IRA Savings Account¹

Dividends compounded and credited monthly

0.80% APY*