Savings Rates

Effective date: January 23, 2019

Savings
	Min. Balance	APR*	APY**
Share (Savings)	$105 - $9,999.99	0.10%	0.10%
	$10,000 or more	0.25%	0.25%
Christmas Club	$105 or more	0.25%	0.25%
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

Dividend rates are reviewed each week. Our rates are listed below, however, rates are subject to change without notice. Please call our office for current rates. 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**
12 Months	1.09%	1.10%
18 Months	1.09%	1.10%
24 Months	1.44%	1.45%
36 Months	1.69%	1.70%
60 Months	2.18%	2.20%

Certificates
$1,000 Minimum. Certificate Rates are also available on IRAs and HSAs.
Term	APR*	APY**
12 Month	0.85%	0.85%
18 Month	0.85%	0.85%
24 Month	1.19%	1.20%
36 Month	1.44%	1.45%
60 Month	1.93%	1.95%

IRA, HSA & Money Market Accounts
$1,000 Minimum, unless noted.
	APR*	APY**
HSA¹	0.74%	0.75%
Money Market IRA²	0.74%	0.75%
Money Market IRA³	0.49%	0.50%
Money Market Savings	0.39%	0.40%
Money Market Checking	0.15%	0.15%
¹No minimum opening balance. Balance must exceed $100 to earn dividends and $2,000 before investing in a Certificate (min. balance applies). ²Minimum balance $100,000. ³Minimum opening balance $100.

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

Early withdrawal penalties may apply; fees may reduce earnings.

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