Savings Rates

Effective date: November 30, 2020

Savings
	Min. Balance	APR*	APY**
Share (Savings)	$105 - $9,999.99	0.05%	0.05%
	$10,000	0.05%	0.05%
Christmas Club	$105	0.15%	0.15%
Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly.

Certificate, Money Market, IRA & HSA Rates

Today's rates are listed below, however, dividend rates are reviewed periodically and are subject to change without notice. Yields reflect monthly compounding.

Step-Up Certificates

With our Step-Up Certificates, you may increase, or "Step-Up" your earnings rate one time (for the remainder of your term) to the current rate on a like-term certificate. Activating Step-Up is easy, there's no cost, and it can be done after just half of the certificate term.

Step-Up Certificates
$10,000 Minimum. Step-Up Certificate Rates are also available on IRAs and HSAs.
Term	APR*	APY**
24 Months	0.87%	0.87%
36 Months	0.98%	0.98%
60 Months	1.19%	1.20%

Certificates
$1,000 Minimum. Certificate Rates are also available on IRAs and HSAs.
Term	APR*	APY**
12 Month	0.72%	0.72%
18 Month	0.85%	0.85%
24 Month	0.87%	0.87%
36 Month	0.98%	0.98%
60 Month	1.19%	1.20%

IRA, HSA & Money Market Accounts
	Min. Balance	APR*	APY**
HSA¹	$100	0.10%	0.10%
Super Money Market	$25,000 - $49,999.99	0.25%	0.25%
	$50,000 - $74,999.99	0.25%	0.25%
	$75,000	0.25%	0.25%
Money Market Savings	$1,000	0.15%	0.15%
Money Market IRA	$100 - $99,999.99	0.34%	0.35%
	$100,000	0.34%	0.35%
Money Market Checking	$1,000	0.05%	0.05%
¹No minimum opening balance. Balance must exceed $100 to earn dividends and $2,000 before investing in a Certificate (min. balance applies).

*APR=Annual Percentage Rate **APY=Annual Percentage Yield

Early withdrawal penalties may apply; fees may reduce earnings.

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