Rates subject to change. Effective as of November 1, 2015

Conditions or fees may reduce the earnings on the account. Early surrender penalties apply.

Share Certificates Terms/Minimums. Annual Percentage Yield(APY). Early Surrender Penalties Apply. APR APY
3 MONTH $500 Minimum 0.20% 0.20%
3 MONTH (AGE 65+) Age 65 or Older 0.25% 0.25%
6 MONTH $500 Minimum 0.35% 0.35%
6 MONTH (AGE 65+) Age 65 or Older 0.40% 0.40%
7 MONTH $1,000 Minimum 0.50% 0.50%
12 MONTH $500 Minimum 0.55% 0.55%
12 MONTH (AGE 65+) Age 65 or Older 0.60% 0.60%
13 MONTH $1,000 Minimum 0.65% 0.65%
24 MONTH $500 Minimum 0.95% 0.95%
24 MONTH (AGE 65+) Age 65 or Older 1.00% 1.00%
27 MONTH $1,000 Minimum 1.10% 1.10%
36 MONTH $500 Minimum 1.20% 1.20%
36 MONTH (AGE 65+) Age 65 or Older 1.30% 1.30%
48 MONTH $1,000 Minimum 1.40% 1.40%
48 MONTH (AGE 65+) Age 65 or Older 1.50% 1.50%
12 MO. YOUTH STARTER CERT. New money can be added. $250 Minimum For savers age 18 and under. 0.60% 0.60%
18 MO. DIRECT DEPOSIT CERTIFICATE $500 Minimum Funding & additions to certificate thru Direct Deposit or scheduled ACH deposits. 0.60% 0.60%
SYSTEMATIC LOAN CERT. Term length matches length of loan. [Ex. 36 month auto loan = 36 month cert.] Direct Deposit required for loan payments and certificate funding. Certificate additions limited to an amount no more than 10% of loan payment. Varied based on type of loan and borrower’s qualifications. Varied based on type of loan and borrower’s qualifications.
Individual Retirement Accounts (IRA) Traditional and Roth options available for either Club or Certificate accounts.
IRA Club Savings: $100.00 Minimum Use this account as an “accumulation” account or for receiving mandatory distributions. 0.45% 0.45%
IRA Certificate 12 MONTH IRA $500 Minimum 0.65% 0.65%
Direct Deposit IRA Certificate

18 MONTH IRA $500 Minimum Funding & additions to certificate thru Direct Deposit or scheduled ACH deposits.

0.80%
0.80%
IRA Certificate 24 MONTH IRA $500 Minimum 1.10% 1.10%
Savings Accounts Balance Ranges for each “type” of account. APR APY
Membership Savings $5 Minimum. $100 to accrue dividends. 0.05% 0.05%
Christmas Club $1.00 Min. to open and for earning dividend. Fee-free withdrawals Oct. – Jan. 0.05% 0.05%
Special Savings Club $1.00 Min. to open and for earning dividend. Fee-free withdrawals. 0.05% 0.05%
Systematic Club Account APR/APY not tiered to a balance range. No minimum amount to open or earn dividends. No low balance fee. Free withdrawals in April, otherwise $15.00 ea. 0.05% 0.05%
Youth Savings $5 Minimum. $100 to accrue dividends. 0.05% 0.05%
Checking Rates Balance Ranges for each “type” of account. APR APY
Worry-Free Checking No minimum amount to open; no dividend paid. .00% .00%
Simple Checking No minimum amount to open; no dividend paid. .00% .00%
Investment Checking $1,000 min. to earn dividend and avoid $10.00/mo Low Balance Fee. 0.10% 0.10%
Second Chance Debit No minimum amount to open; no dividend paid.
.00% .00%
Money Market Acct: $1,000.00 Minimum Balance Ranges $100 Min. Withdrawal APR APY
$1,000 – $10,000 0.05% 0.05%
$10,000 – $25,000 0.10% 0.10%
$25,000 – $50,000 0.20% 0.20%
over – $50,000 0.25% 0.25%
Premier Money Market: $10,000.00 MIN. $1,000.00 min. Withdrawal. Other restrictions apply.
Balance Ranges
$10,000.01 – $25,000.00 0.25% 0.25%
$25,000.01 – $50,000.00 0.30% 0.30%
$50,000.01 – $75,000.00 0.40% 0.40%
$75,000.01 – $100,000.00 0.45% 0.45%
OVER $100,000.00 0.50% 0.50%