Savings Rates

Rates are effective as of 9/17/2025. Rates are subject to change without notice. APY = Annual Percentage Yield

Account Type	Compounding Method	APY
Regular Shares	–	–
$0.00 – $499.99	Monthly	0.00%
$500.00 – $2,499.99	Monthly	0.05%
$2,500 – $9,999.99	Monthly	0.05%
$10,000 – $24,999.99	Monthly	0.10%
$25,000 and greater	Monthly	0.15%
IRA Savings (All Types)**	–	–
$250.00 – $499.99	Monthly	0.00%
$500.00 – $2,499.99	Monthly	0.05%
$2,500 – $9,999.99	Monthly	0.05%
$10,000 – $24,999.99	Monthly	0.10%
$25,000 and greater	Monthly	0.15%
Vacation Shares	Monthly	0.00%
Bond Shares	Monthly	0.00%
Christmas Shares	Monthly	0.05%

Certificate Rates

Rates are effective as of 9/17/2025. Rates are subject to change without notice. APY = Annual Percentage Yield

Term	Description	APY
3 months*	–	3.85%
6 months*	–	4.00%
9 months*	No Penalty***	2.50%
12 months*	IRA Certificates available**	3.65%
18 months*	IRA Certificates available**	3.50%
24 months*	IRA Certificates available**	3.50%
36 months*	IRA Certificates available**	3.50%
48 months*	IRA Certificates available**	3.50%
60 months*	IRA Certificates available**	3.50%

* Share Certificates require a minimum opening deposit of $500.00
** IRA Certificates require a minimum opening deposit of $250.00
*A penalty may be imposed for early withdrawal.

*** No Penalty will be assessed for early withdrawal if fund are held for 7 days.

*Accounts requiring a minimum balance or purchase minimum amount must maintain the stated dollar amounts to earn the advertised APY.
*Fees could reduce earnings on certain accounts.