Savings Rates

Effective date: January 28, 2020

Savings
	Min. Balance	APR*	APY**
Share (Savings)	$105 - $9,999.99	0.10%	0.10%
	$10,000	0.25%	0.25%
Christmas Club	$105	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
	Min. Balance	APR*	APY**
HSA¹	$100	0.49%	0.50%
Super Money Market	$25,000 - $49,999.99	0.49%	0.50%
	$50,000 - $74,999.99	0.59%	0.60%
	$75,000	0.64%	0.65%
Money Market Savings	$1,000	0.39%	0.40%
Money Market IRA	$100 - $99,999.99	0.49%	0.50%
	$100,000	0.64%	0.65%
Money Market Checking	$1,000	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).

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

Early withdrawal penalties may apply; fees may reduce earnings.

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