Deposit Rates

Account Type *	Minimum Balance To Open	Minimum Average Daily Balance to Earn APY	Annual Percentage Yield (APY) **
Main Share/Misc Share	$5	$5 - $499.99	0.03%
		$500 - $9,999.99	0.05%
		$10,000 - Above	0.10%

Money Market	$10	$10 - $2,499.99	0.05%
		$2,500 - $9,999.99	0.15%
		$10,000 - $19,999.99	0.25%
		$20,000 - Above	0.35%

I.R.A Share	None	$0 - $499.99	0.03%
		$500 - $9,999.99	0.05%
		$10,000.00 - Above	0.10%

NOW Checking	None	None	0.03%

Vacation Club	None	None	0.05%

Christmas Club	None	None	0.05%

Business Share	$25	$25 - $499.99	0.03%
		$500 - $9,999.99	0.05%
		$10,000 - Above	0.10%

Certificates Term * +	Minimum Balance To Open	Minimum Average Daily Balance To Earn APY	Annual Percentage Yield (APY)
3 Months	$500	$500	0.20%
6 Months	$500	$500	0.30%
10 Months	$500	$500	0.40%
12 Months	$500	$500	0.60%
14 Months	$500	$500	0.60%
16 Months	$500	$500	0.60%
17 Months	$500	$500	0.60%
18 Months	$500	$500	0.85%
24 Months	$500	$500	1.00%
28 Months	$500	$500	1.00%
36 Months	$500	$500	1.10%
48 Months	$500	$500	1.10%
60 Months	$500	$500	1.25%

IRA Certificates Term * +	Minimum Balance To Open	Minimum Average Daily Balance To Earn APY	Annual Percentage Yield (APY)
3 Months	$500	$500	0.20%
6 Months	$500	$500	0.30%
10 Months	$500	$500	0.40%
12 Months	$500	$500	0.60%
14 Months	$500	$500	0.60%
16 Months	$500	$500	0.60%
17 Months	$500	$500	0.60%
18 Months	$500	$500	0.85%
24 Months	$500	$500	1.00%
28 Months	$500	$500	1.00%
36 Months	$500	$500	1.10%
48 Months	$500	$500	1.10%
60 Months	$500	$500	1.25%

* Fees may reduce earnings.
** Rates are subject to change without notice.
+ Certificates may be subject to penalty for early withdrawal.

Current Rates - Effective December 29, 2020