Rates

Effective Date 11/1/2018

Accordion 1

Regular & IRA Certificates

Effective Date 11/1/2018

Flexible Savings Certificate

6 Month Term, $500 minimum balance for APY

	Dividend Rate	APY*
$500-$24,999	0.45%	0.45%
$25,000 & Above	0.59%	0.60%

Effective Date 11/1/2018

Bump-Up Savings Certificate

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

	Dividend Rate	APY*
$10,000-$24,999	0.69%	0.70%
$25,000-$89,999	0.89%	0.90%
$90,000 & Above	1.09%	1.10%

Effective Date 11/1/2018

3-6 Month Savings Certificate

3-11 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.49%	0.50%
$25,000-$49,999	0.64%	0.65%
$50,000-$89,999	0.79%	0.80%
$90,000-$249,999	0.94%	0.95%
$250,000-$349,999	1.09%	1.10%
$350,000 & Above	1.40%	1.40%

Effective Date 11/1/2018

12 Month Savings Certificate

12-17 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.59%	0.60%
$25,000-$49,999	0.74%	0.75%
$50,000-$89,999	0.89%	0.90%
$90,000-$249,999	1.04%	1.05%
$250,000-$349,999	1.19%	1.20%
$350,000 & Above	1.48%	1.50%

Effective Date 11/1/2018

18 Month Savings Certificate

18-23 Month Term

$1,000-$24,999	Dividend Rate	APY*
$1,000-$24,999	0.59%	0.60%
$25,000-$49,999	0.74%	0.75%
$50,000-$89,999	0.89%	0.90%
$90,000-$249,999	1.04%	1.05%
$250,000-$349,999	1.19%	1.20%
$350,000 & Above	1.48%	1.50%

Effective Date 11/1/2018

24 Month Savings Certificate

24-35 Month Term

	Dividend Rate	APY*
$1,000-$24,999	0.84%	0.85%
$25,000-$49,999	1.00%	1.00%
$50,000-$89,999	1.14%	1.15%
$90,000-$249,999	1.29%	1.30%
$250,000-$349,999	1.44%	1.45%
$350,000 & Above	1.74%	1.75%

Effective Date 11/1/2018

36 Month Savings Certificate

36-47 Month Term

	Dividend Rate	APY*
$1,000-$24,999	1.09%	1.10%
$25,000-$49,999	1.24%	1.25%
$50,000-$89,999	1.39%	1.40%
$90,000-$249,999	1.53%	1.55%
$250,000-$349,999	1.68%	1.70%
$350,000 & Above	1.98%	2.00%

* 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 11/1/2018

Regular Share Savings

	Dividend Rate	APY*
$100-$499.99	0.00%	0.00%
$500 & Above	0.25%	0.25%

Effective Date 11/1/2018

Money Market

	Dividend Rate	APY*
$2,500-$9,999	0.40%	0.40%
$10,000-$24,999	0.45%	0.45%
$25,000-$49,999	0.50%	0.50%
$50,000-$89,999	0.55%	0.55%
$90,000-$249,999	0.65%	0.65%
$250,000-$349,999	1.14%	1.15%
$350,000 & Above	1.29%	1.30%

Accordion 3

Checking

Effective Date 11/1/2018

20/20 Business Checking

	Dividend Rate	APY*
$1,000-$4,999	0.05%	0.05%
$5,000-$9,999	0.10%	0.10%
$10,000-$39,999	0.20%	0.20%
$40,000 & Above	0.30%	0.30%

Effective Date 11/1/2018

Preferred Checking

	Dividend Rate	APY*
$500 & Above	0.25%	0.25%

Effective Date 11/1/2018

Money Market Checking

	Dividend Rate	APY*
$2,500-$9,999	0.40%	0.40%
$10,000-$24,999	0.45%	0.45%
$25,000-$49,999	0.50%	0.50%
$50,000-$89,999	0.55%	0.55%
$90,000-$249,999	0.65%	0.65%
$250,000-$349,999	1.14%	1.15%
$350,000 & Above	1.29%	1.30%

Effective Date 11/1/2018

HSA Checking

	Dividend Rate	APY*
$500 & Above	0.40%	0.40%

* 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 11/1/2018

IRA Shares

	Dividend Rate	APY*
$100-$499	0.00%	0.00%
$500 & Above	0.25%	0.25%

Effective Date 11/1/2018

IRA Money Market

	Dividend Rate	APY*
$100-$2,499	0.25%	0.25%
$2,500-$9,999	0.40%	0.40%
$10,000-$24,999	0.45%	0.45%
$25,000-$49,999	0.50%	0.50%
$50,000-$89,999	0.55%	0.55%
$90,000-$249,999	0.65%	0.65%
$250,000-$349,999	1.14%	1.15%
$350,000 & Above	1.29%	1.30%

Accordion 5

Other Savings Accounts

Effective Date 11/1/2018

Cookie Jar Accounts

	Dividend Rate	APY*
$100-$499.99	0.00%	0.00%
$500 & Above	0.25%	0.25%

Effective Date 11/1/2018

Young Savers Account

	Dividend Rate	APY*
$25-$99.99	0.00%	0.00%
$100 & Above	0.25%	0.25%

* 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.