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Savings Account Rates

Savings
Checking
Money Market
NEW Limited Time Certificate Specials
Certificates

Account Type	Minimum Balance	Dividend Rate	APY¹
Savings
Primary	$25	.05%	.05%
Additional Savings
Christmas Club	$25	.05%	.05%
Vacation Club	$25	.05%	.05%
Health Savings Account (HSA)	$25	.01%	.01%
Individual Retirement Account (Share IRA)	$250	.05%	.05%
Business	$1500	.05%	.05%
Checking Account
Advantage Checking	$500	.01%	.01%
Business Checking	$1,500	.01%	.01%
Money Market Account
	$2,500	.20%	.20%
	$10,000	.40%	.40%
	$50,000	.50%	.50%
	$150,000	.60%	.60%
Effective: December 1, 2018
Dividend Declaration: November 30, 2018

**NEW Limited Time Certificate Specials**
	Dividend Rate	APY²
15 Month Certificate	2.22%	2.25%
15 Month Certificate WITH a New Checking Account³	2.47%	2.50%
30 Month Certificate	2.47%	2.50%
30 Month Certificate WITH a New Checking Account³	2.71%	2.75%
50 Month Certificate	2.95%	3.00%
50 Month WITH a New Checking Account³	3.20%	3.25%

Traditional Certificates
Minimum Balance	1,000+		$5,000+		$10,000+		$25,000+		$100,000+
Term	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹
3 Months	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%
6 Months	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
1 Year	0.80%	0.84%	0.85%	0.89%	0.95%	0.99%	1.00%	1.04%	1.05%	1.08%
2 Years	1.00%	1.02%	1.05%	1.06%	1.10%	1.16%	1.20%	1.21%	1.25%	1.26%
3 Years	1.15%	1.18%	1.20%	1.23%	1.30%	1.33%	1.35%	1.38%	1.40%	1.43%
4 Years	1.30%	1.33%	1.35%	1.38%	1.45%	1.48%	1.50%	1.53%	1.55%	1.58%
5 Years	1.45%	1.47%	1.50%	1.52%	1.60%	1.62%	1.65%	1.67%	1.70%	1.72%
IRA Certificates
Minimum Balance	$1,000+		$5,000+		$10,000+		$25,000+		$100,000+
Term	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹
1 Year	0.80%	0.84%	0.85%	0.89%	0.95%	0.99%	1.00%	1.04%	1.05%	1.08%
2 Years	1.00%	1.02%	1.05%	1.06%	1.15%	1.16%	1.20%	1.21%	1.25%	1.26%
3 Years	1.15%	1.18%	1.20%	1.23%	1.30%	1.33%	1.35%	1.38%	1.40%	1.43%
4 Years	1.30%	1.33%	1.35%	1.38%	1.45%	1.48%	1.50%	1.53%	1.55%	1.58%
5 Years	1.45%	1.47%	1.50%	1.52%	1.60%	1.62%	1.65%	1.67%	1.70%	1.72%
Effective Date: December 1, 2018
Dividend Declaration Date: November 30, 2018
¹APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings. ² APY = Annual Percentage Yield. Effective November 11, 2018 and subject to change. For a limited time only. New funds not currently on deposit at AEA. Minimum opening deposit of $1,000 required for share certificates. Early withdrawal penalties may apply. Certain restrictions apply. ³ Checking account must remain open for full duration of certificate term. Rates will revert to the lower promotional rate if checking account is closed before the share certificate maturity date. All checking rules apply.