Certificate of Deposit Rates

Effective as of 12/18/2024

Term	Dividend Rates	Annual Percentage Yield (APY)*	Minimum Balance
3 months	4.10%	4.163%	$1,000
6 months	4.00%	4.060%	$1,000
12 months	3.80%	3.854%	$1,000
24 months	3.50%	3.546%	$1,000
30 months	3.10%	3.136%	$1,000
48 months	2.90%	2.932%	$1,000

Money Market Rates

Amount	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)*
$5,000-$24,999	1.30%	1.31%
$25,000-$49,999	1.50%	1.51%
$50,000-$99,999	1.70%	1.71%
$100,000-$249,999	1.90%	1.91%
$250,000-$499,999	2.10%	2.11%
$500,000 +	2.30%	2.32%

Account Rates

Account	Minimum	Fee	Dividend Rate	Annual Percentage Yield (APY)*
Regular Shares	$5.00	-	0.25%	0.25%
Regular Checking	-	-	0.15%	0.15%
Interest Bearing Checking	$1,000		0.15%	0.15%
Christmas Club Account	-	-	0.25%	0.25%

*Rates subject to change. *APY = Annual Percentage Yield.

Rates effective as of September 1, 2023

Fee Schedule

Visa Gift Card	$4.00
Cashier's Check	$2.00
Copy of Cancelled Check	$2.50
Statement Copy (per month)	$2.50
Account History (per month)	$2.50
Stop Payment	$25.00
Wire In	$15.00
Wire Out	$25.00
Recurring Wire Out	$15.00
International Wire	$50.00
Returned Item Fee for Check Deposited	$10.00
Debit or Credit Card Replacement	$20.00
Non-Sufficient Funds	$25.00