Savings Account Rates

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	.10%	.10%
	$10,000	.15%	.15%
	$50,000	.20%	.20%
	$150,000	.25%	.25%
Effective: January 1, 2022
Dividend Declaration: December 31, 2021

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	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
6 Months	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%
1 Year	0.15%	0.15%	0.15%	0.15%	0.20%	0.20%	0.20%	0.20%	0.25%	0.25%
2 Years	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.25%	0.25%	0.30%	0.30%
3 Years	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%
4 Years	0.30%	0.30%	0.30%	0.30%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
5 Years	0.35%	0.35%	0.35%	0.35%	0.35%	0.35%	0.40%	0.40%	0.45%	0.45%
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	0.15%	0.15%	0.15%	0.15%	0.20%	0.20%	0.20%	0.20%	0.25%	0.25%
2 Years	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.25%	0.25%	0.30%	0.30%
3 Years	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%
4 Years	0.30%	0.30%	0.30%	0.30%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
5 Years	0.35%	0.35%	0.35%	0.35%	0.35%	0.35%	0.40%	0.40%	0.45%	0.45%
Effective Date: January 1, 2022
Dividend Declaration Date: December 31, 2021
¹APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings.

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