| SAVINGS PRODUCT | Minimum Opening Deposit | Other Terms | Dividend Rate | Dividends Compound | APY* |
|---|---|---|---|---|---|
| Share Savings (S1)*** | $5 | $5 to earn dividend | 0.30% | Quarterly | 0.30% |
| Special Savings (S2)*** | $0 | 0.30% | Quarterly | 0.30% | |
| Holiday Club (S3) | $0 | $300 monthly maximum deposit | 0.75% | Annually | 0.75% |
| Pays out annually November 1st | |||||
| Money Market Savings (S6) | $0-$999 | 0.30% | Monthly | 0.30% | |
| $1,000-$4,999 | 0.50% | 0.50% | |||
| $5,000-$9,999 | 0.75% | 0.75% | |||
| $10,000-$19,999 | 1.25% | 1.25% | |||
| $20,000-$39,999 | 1.50% | 1.50% | |||
| $40,000-$69,999 | 1.75% | 1.75% | |||
| $70,000-$99,999 | 2.25% | 2.25% | |||
| $100,000-$249,999 | 2.75% | 2.75% | |||
| $250,000 and above | 3.00% | 3.00% | |||
| Vacation Club (S14) | $0 | $300 monthly maximum deposit | 0.75% | Annually | 0.75% |
| Pays out annually June 1st | |||||
| Kids Club (S15, S18, S19) | $0-$10,000.00 | 3.00% | Monthly | 3.04% | |
| Kids Club (S15, S18, S19) | $10,000.01 and above | 1.75% | Monthly | 1.75% | |
| Health Savings Account (S16) | $10 Annual Fee Interest Bearing Checking Account | 0.75% | Monthly | 0.75% | |
| * = Annual Percentage Yield. Rate is effective as of 09/22/2026 Rates and terms are subject to change at any time based upon ALCO review and changing market conditions. Fees may reduce the earnings on these accounts. | |||||
| ** = Dividend paid at pay-out date, no dividend for early withdrawal. | |||||
| *** = Balances below the minimum balance will not earn interest. | |||||
| SHARE CERTIFICATE | Minimum Opening Deposit | Dividend Rate | Divideds Compound | APY* |
|---|---|---|---|---|
| 5 Year** | $500 | 4.35% | Quarterly | 4.42% |
| 4 Year** | $500 | 4.35% | Quarterly | 4.42% |
| 3 Year** | $500 | 4.25% | Quarterly | 4.32% |
| 30 Month | $500 | 4.25% | Quarterly | 4.32% |
| 2 Year** | $500 | 4.25% | Quarterly | 4.32% |
| 18 Month** | $500 | 4.15% | Quarterly | 4.22% |
| 1 Year** | $500 | 4.15% | Quarterly | 4.22% |
| 9 Month** | $500 | 4.00% | Maturity | 4.02% |
| 6 Month** | $500 | 4.00% | Maturity | 4.04% |
| 3 Month** | $500 | 3.85% | Maturity | 3.91% |
| ***Triple Play Certificate*** | ||||
| 2 Year | $500 | 4.00% | Quarterly | 4.06% |
| 4 Year | $500 | 4.15% | Quarterly | 4.21% |
| 6 Year | $500 | 4.20% | Quarterly | 4.27% |
| * = Annual Percentage Yield. Rate is effective as of 09/22/2026. Rates and terms are subject to change at any time based upon ALCO review and changing market conditions. Fees may reduce the earnings on these accounts. | ||||
| ** = Early withdrawal penalties exist for these accounts. Certificates with a maturity of 3 months - 12 months have a penalty of 90 days dividend. Certificates with a maturity of over 12 months - 29 months have a penalty of 180 days dividend. Certificates with a maturity of 30 months or greater have a penalty of 270 days. | ||||
| *** = Triple Play Certificate offers three options - Each can be made once during the certificate's term: 1. Add up to 30% to principal. 2. Withdraw up to 30%. 3. Increase rate. Minimum deposit of $500. | ||||
| RETIREMENT ACCOUNTS | Minimum Opening Deposit | Rate | Dividend Compounds | APY* |
|---|---|---|---|---|
| IRA Savings (S4) | $0 | 0.75% | Quarterly | 0.75% |
| Coverdell (Educational) IRA Savings (S5) | $0 | 0.75% | Quarterly | 0.75% |
| Roth IRA Savings (S7) | $0 | 0.75% | Quarterly | 0.75% |
| IRA SHARE CERTIFICATE | ||||
| 12 Months** (Coverdell Educational) | $500 | 1.30% | Quarterly | 1.31% |
| 48 Months** (Coverdell Educational) | $500 | 2.10% | Quarterly | 2.12% |
| 12 Months** (Traditional & Roth) | $500 | 3.90% | Quarterly | 3.96% |
| 18 Months** (Traditional & Roth) | $500 | 3.85% | Quarterly | 3.91% |
| 30 Months** (Traditional & Roth) | $500 | 3.65% | Quarterly | 3.70% |
| 48 Months** (Traditional & Roth) | $500 | 3.65% | Quarterly | 3.70% |
| * = Annual Percentage Yield. Rate is effective as of 09/22/2026. Rates and terms are subject to change at any time based upon ALCO review and changing market conditions. Fees may reduce the earnings on these accounts. | ||||
| **= Early withdrawal penalties exist for these accounts. Certificates with a maturity of 3 months - 12 months have a penalty of 90 days dividend. Certificates with a maturity of 12 months - 29 months have a penalty of 180 days dividend. Certificates with a maturity of 30 months or greater have a penalty of 270 days. | ||||