Deposit Rates

Checking Rates

Checking Account Types	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
Personal NOW Account* Balance less than $1,000.00	$400.00**	0.00%	0.00%
Regular NOW - (Balance $1,000 to $2,500)	$1,000.00	0.01%	0.01%
Super NOW - (Balance over $2,500)	$2,500.00	0.02%	0.02%
Personal Convenience NOW Account	$50.00	0.00%	0.00%
Senior Checking Account***	$25.00	0.00%	0.00%

* All NOW accounts automatically become interest earning accounts when they have a daily balance of at least $1,000. The account will earn interest at the Regular NOW rate or the Super NOW rate, depending on the daily balance.

** A $1.00 Minimum balance is required for customers who maintain $1,000 on deposit in a related Regular Savings or Money Market account which have the identical mailing address and reporting tax identification number. Otherwise, $400.00 is required to open and maintain the account.

***There is a $25.00 minimum balance requirement to open a Senior Checking Account and a $1.00 minimum balance requirement to maintain a Senior Checking Account. Additionally, a minimum balance of $1,000.00 is required to begin earning interest on the Senior Checking Account.

NOW accounts are variable rate accounts. The Annual Percentage Yield (APY) is accurate as of March 28, 2026. Rates are subject to change once the account is opened. Fees may reduce earnings.

Savings Rates

Savings Account Types	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
Regular Savings	$100.00	0.02%	0.02%
Juniors Savers Statement Savings Account	$10.00	0.02%	0.02%
Christmas Club Savings Account	$10.00	0.02%	0.02%

Regular Savings accounts are variable rate accounts. The Annual Percentage Yield (APY) is accurate as of March 28, 2026. Rates are subject to change once the account is opened. Fees may reduce earnings.

CD Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time. The APY is accurate as of March 28, 2026. An early withdrawal penalty may be imposed for an early withdrawal from the Certificate of Deposit.

Certificate of Deposit Account Types	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
182 Day Certificate	$2,500.00	1.00%	1.00%
5 Month Special Certificate	$2,500.00	3.35%	3.35%
1 Year Certificate	$2,500.00	3.00%	3.00%
1 ½ Year Certificate	$500.00	3.00%	3.03%
2 ½ Year Certificate	$500.00	3.00%	3.03%
3 ½ Year Certificate	$500.00	3.00%	3.03%
5 Year Certificate	$500.00	3.00%	3.03%

Five in One Certificate	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
First Year	$2,500.00	3.00%	3.00%
Optional Renewal - 2nd Year	$2,500.00	3.125%	3.125%
Optional Renewal - 3rd Year	$2,500.00	3.250%	3.250%
Optional Renewal - 4th Year	$2,500.00	3.375%	3.375%
Optional Renewal - 5th Year	$2,500.00	4.250%	4.250%

Money Market Rates

Money Market Tiers	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
Tier 1 - Balance up to $2,500	$500.00	0.02%	0.02%
Tier 2 - Balance $2,500 to $25,000	$2,500.00	0.05%	0.02% to 0.05%
Tier 3 - Balance $25,000 to $100,000	$25,000.00	0.10	0.05% to 0.09%

Money Market accounts are variable rate accounts. The Annual Percentage Yield (APY) is accurate as of March 28, 2026. Rates are subject to change once the account is opened. Fees may reduce earnings.

IRA Rates

The APY is accurate as of March 28, 2026. An early withdrawal penalty may be imposed for an early withdrawal from the Certificate of Deposit.

IRA Account Types	Minimum Balance to Open and to Earn Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
IRA Certificate - 2 Year Term Contributing	$500.00	3.00%	3.03%
Transfer / Rollover	$500.00	3.00%	3.03%