Rates

Effective Date 12/1/2020

Accordion 1

Regular & IRA Certificates

Effective Date 12/1/2020

Flexible Savings Certificate

3 Month Term, $500 minimum balance for APY

	Dividend Rate	APY*
$500-$24,999	0.14%	0.15%
$25,000 & Above	0.19%	0.20%

Effective Date 12/1/2020

Bump-Up Savings Certificate

24-36 Month Term, $10,000 minimum balance for APY

	Dividend Rate	APY*
$10,000-$24,999	0.14%	0.15%
$25,000-$89,999	0.14%	0.15%
$90,000 & Above	0.24%	0.25%

Effective Date 12/1/2020

6 Month Savings Certificate

3-11 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.14%	0.15%
$25,000-$49,999	0.14%	0.15%
$50,000-$89,999	0.19%	0.20%
$90,000-$249,999	0.24%	0.25%
$250,000-$349,999	0.24%	0.25%
$350,000 & Above	0.24%	0.25%

Effective Date 12/1/2020

12 Month Savings Certificate

12-17 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.19%	0.20%
$25,000-$49,999	0.19%	0.20%
$50,000-$89,999	0.19%	0.20%
$90,000-$249,999	0.24%	0.25%
$250,000-$349,999	0.24%	0.25%
$350,000 & Above	0.29%	0.30%

Effective Date 12/1/2020

18 Month Savings Certificate

18-23 Month Term

$1,000-$24,999	Dividend Rate	APY*
$1,000-$24,999	0.19%	0.20%
$25,000-$49,999	0.19%	0.20%
$50,000-$89,999	0.24%	0.25%
$90,000-$249,999	0.29%	0.30%
$250,000-$349,999	0.29%	0.30%
$350,000 & Above	0.34%	0.35%

Effective Date 12/1/2020

24 Month Savings Certificate

24-35 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.24%	0.25%
$25,000-$49,999	0.29%	0.30%
$50,000-$89,999	0.29%	0.30%
$90,000-$249,999	0.34%	0.35%
$250,000-$349,999	0.34%	0.35%
$350,000 & Above	0.39%	0.40%

Effective Date 12/1/2020

36 Month Savings Certificate

36-47 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.29%	0.30%
$25,000-$49,999	0.29%	0.30%
$50,000-$89,999	0.34%	0.35%
$90,000-$249,999	0.39%	0.40%
$250,000-$349,999	0.39%	0.40%
$350,000 & Above	0.39%	0.40%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $1,000 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. A penalty may be imposed for early withdrawal.

Accordion 2

Savings Accounts

Effective Date 12/1/2020

Regular Share Savings

	Dividend Rate	APY*
$100-$499.99	0.00%	0.00%
$500 & Above	0.10%	0.10%

Effective Date 12/1/2020

Money Market

	Dividend Rate	APY*
$2,500-$9,999	0.10%	0.10%
$10,000-$24,999	0.10%	0.10%
$25,000-$49,999	0.15%	0.15%
$50,000-$89,999	0.15%	0.15%
$90,000-$249,999	0.20%	0.20%
$250,000-$349,999	0.25%	0.25%
$350,000 & Above	0.25%	0.25%

Accordion 3

Checking

Effective Date 12/1/2020

20/20 Business Checking

	Dividend Rate	APY*
$1,000-$4,999	0.05%	0.05%
$5,000-$9,999	0.05%	0.05%
$10,000-$39,999	0.10%	0.10%
$40,000 & Above	0.15%	0.15%

Effective Date 12/1/2020

Preferred Checking

	Dividend Rate	APY*
$500 & Above	0.10%	0.10%

Effective Date 12/1/2020

Money Market Checking

	Dividend Rate	APY*
$2,500-$9,999	0.10%	0.10%
$10,000-$24,999	0.10%	0.10%
$25,000-$49,999	0.15%	0.15%
$50,000-$89,999	0.15%	0.15%
$90,000-$249,999	0.20%	0.20%
$250,000-$349,999	0.25%	0.25%
$350,000 & Above	0.25%	0.25%

Effective Date 12/1/2020

HSA Checking

	Dividend Rate	APY*
$500 & Above	0.10%	0.10%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $500 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings.

Accordion 4

Retirement Accounts

Effective Date 12/1/2020

IRA Shares

	Dividend Rate	APY*
$100-$499	0.00%	0.00%
$500 & Above	0.10%	0.10%

Effective Date 12/1/2020

IRA Money Market

	Dividend Rate	APY*
$100-$2,499	0.00%	0.00%
$2,500-$9,999	0.10%	0.10%
$10,000-$24,999	0.10%	0.10%
$25,000-$49,999	0.15%	0.15%
$50,000-$89,999	0.15%	0.15%
$90,000-$249,999	0.20%	0.20%
$250,000-$349,999	0.25%	0.25%
$350,000 & Above	0.25%	0.25%

Accordion 5

Other Savings Accounts

Effective Date 12/1/2020

Cookie Jar Accounts

	Dividend Rate	APY*
$100-$499.99	0.00%	0.00%
$500 & Above	0.10%	0.10%

Effective Date 12/1/2020

Young Savers Account

	Dividend Rate	APY*
$25-$99.99	0.00%	0.00%
$100 & Above	0.10%	0.10%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $100 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings.