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	.20%	.20%
	$10,000	.40%	.40%
	$50,000	.50%	.50%
	$150,000	.60%	.60%
Effective: January 1, 2020
Dividend Declaration: December 31, 2019

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	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%
6 Months	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%
1 Year	1.05%	1.06%	1.10%	1.11%	1.20%	1.21%	1.25%	1.26%	1.30%	1.31%
2 Years	1.25%	1.26%	1.30%	1.31%	1.35%	1.36%	1.45%	1.46%	1.50%	1.51%
3 Years	1.40%	1.41%	1.45%	1.46%	1.55%	1.56%	1.60%	1.61%	1.65%	1.66%
4 Years	1.55%	1.56%	1.60%	1.61%	1.70%	1.71%	1.75%	1.76%	1.80%	1.81%
5 Years	1.70%	1.71%	1.75%	1.76%	1.85%	1.87%	1.90%	1.92%	1.95%	1.97%
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	1.05%	1.06%	1.10%	1.11%	1.20%	1.21%	1.25%	1.26%	1.30%	1.31%
2 Years	1.25%	1.26%	1.30%	1.31%	1.40%	1.41%	1.45%	1.46%	1.50%	1.51%
3 Years	1.40%	1.41%	1.45%	1.46%	1.55%	1.56%	1.60%	1.61%	1.65%	1.66%
4 Years	1.55%	1.56%	1.60%	1.61%	1.70%	1.71%	1.75%	1.76%	1.80%	1.81%
5 Years	1.70%	1.71%	1.75%	1.76%	1.85%	1.87%	1.90%	1.92%	1.95%	1.97%
Effective Date: January 1, 2020
Dividend Declaration Date: December 31, 2019
¹APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings.