Rates

ACCOUNTS ARE A VARIABLE RATE ACCOUNT.  APY IS VALID AS OF THE LAST DIVIDEND DECLARATION DATE OF SEPTEMBER 1, 2020. APY AND TIERS ARE SUBJECT TO CHANGE AT ANY TIME.

Shares         

	Dividend Rate	APY
under $1,000	0.10%	0.10%
$1,000 or greater	0.20%	0.20%

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Share Draft

	Dividend Rate	APY
$1 - $24,999.99	0.00%	0.00%
$25,000 or greater	0.05%	0.05%

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Clubs

	Dividend Rate	APY
Christmas Club	1.00%	1.00%
Children's Cub Account	1.00%	1.00%
Saver's Club	1.00%	1.00%
Other Special Savings (under $1,000)	0.10%	0.10%
Other Special Savings ($1,000 or greater)	0.20%	0.20%

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Daily Money Market Account Tier

	Dividend Rate	APY
under $1,000.00	0.20%	0.20%
$1,000 - $9,999.99	0.35%	0.35%
$10,000 - $24,999.99	0.35%	0.35%
$25,000 - $99.999.99	0.35%	0.35%
$100,000 - $249,999.99	0.35%	0.35%
$250,000 or greater	0.35%	0.35%

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Accumulator IRA Tier (Traditional, Education, Roth)

	Dividend Rate	APY
under $1,000.00	0.30%	0.30%
$1,000 - $9,999.99	0.50%	0.50%
$10,000 - $24,999.99	0.50%	0.50%
$25,000 - $99,999.99	0.50%	0.50%
$100,000 - $249,999.99	0.50%	0.50%
$250,000 or greater	0.50%	0.50%

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Certificates of Deposit

	Dividend Rate	APY*
6-Month	0.40%	0.40%
12-Month	0.60%	0.60%
18-Month	0.65%	0.65%
24-Month	0.70%	0.70%
36-Month	0.80%	0.80%
48-Month	0.90%	0.90%
60-Month	1.00%	1.00%

*APY is accurate as of December 1, 2020 and is subject to change at any time. The rate is locked in for the term of your certificate on the day the certificate is funded.

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Certificate IRA

	Dividend Rate	APY*
6-Month	0.40%	0.40%
12-Month	0.60%	0.60%
18-Month	0.65%	0.65%
24-Month	0.70%	0.70%
36-Month	0.80%	0.80%
48-Month	0.90%	0.90%
60-Month	1.00%	1.00%

*APY = Annual Percentage Yield. A fee may reduce earnings on share accounts. For certificate accounts, penalties for early withdrawal may apply.

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