Rates last updated: 2/13/2025

Savings Accounts

Type	Minimum Bal	Rate	APY*
Base Share Account (Savings)	$50.00 and above	0.200	0.200

Club Accounts

Type	Rate	APY*
Teen & Zoe's Club (Savings Options for Minors)	0.350	0.351
Christmas Club	0.200	0.200
Vacation Club	0.200	0.200

Certificate Accounts

Type	Term	Rate	APY*
Share Certificate	6 Months	3.25	3.299
Share Certificate	12 Months	3.30	3.350
Share Certificate	18 Months	3.35	3.402
Share Certificate	24 Months	3.40	3.453
Share Certificate	36 Months	3.45	3.505
Share Certificate	48 Months	3.50	3.557
Share Certificate	60 Months	3.50	3.557
Traditional IRA Share Certificate	12 Months	3.40	3.453
Traditional IRA Share Certificate	24 Months	3.50	3.557
Traditional IRA Share Certificate	36 Months	3.55	3.608
Traditional IRA Share Certificate	48 Months	3.60	3.660
Traditional IRA Share Certificate	60 Months	3.60	3.660

Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.

Money Market Accounts

Type	Minimum Bal	Rate	APY*
Money Market Account	$2,000.00 - $9,999.99	0.550	0.551
Money Market Account	$10,000.00 - $24,999.99	0.700	0.702
Money Market Account	$25,000.00 - $49,999.99	0.850	0.853
Money Market Account	$50,000.00 - $99,999.99	1.250	1.257
Money Market Account	$100,000.00 and above	1.500	1.510

Individual Retirement Account

Type	Minimum Bal	Rate	APY*
Traditional IRA Share Account	up to $1,999.99	0.200	0.200
Traditional IRA Share Account	$2,000.00 - $9,999.99	0.550	0.551
Traditional IRA Share Account	$10,000.00 - $24,999.99	0.700	0.702
Traditional IRA Share Account	$25,000 - $49,999.99	0.850	0.853
Traditional IRA Share Account	$50,000 - $99,999.99	1.250	1.257
Traditional IRA Share Account	$100,000 and above	1.500	1.510

• All information subject to change at any time.
• *APY = Annual Percentage Yield