Rates

Effective Date 03/01/2025

Accordion 1

Regular & IRA Certificates

Effective Date 03/01/2025

Flexible Savings Certificate

3 Month Term, $500 minimum balance for APY

	Dividend Rate	APY*
$500-$24,999	1.04%	1.05%
$25,000-$249,999.99	1.09%	1.10%
$250,000 & Above	3.44%	3.50%

Effective Date 03/01/2025

Bump-Up Savings Certificate

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

	Dividend Rate	APY*
$10,000-$24,999	1.38%	1.40%
$25,000-$89,999	1.48%	1.50%
$90,000 & Above	1.53%	1.55%

Effective Date 03/01/2025

6 Month Savings Certificate

3-11 Month Term

	Dividend Rate	APY*
$1,000-$24,999	1.38%	1.40%
$25,000-$49,999	1.43%	1.45%
$50,000-$89,999	1.43%	1.45%
$90,000-$249,999	1.48%	1.50%
$250,000-$349,999	3.92%	4.00%
$350,000 & Above	3.92%	4.00%

Effective Date 03/01/2025

12 Month Savings Certificate

12-17 Month Term

	Dividend Rate	APY*
$1,000-$24,999	1.48%	1.50%
$25,000-$49,999	1.53%	1.55%
$50,000-$89,999	1.53%	1.55%
$90,000-$249,999	1.58%	1.60%
$250,000-$349,999	1.58%	1.60%
$350,000 & Above	1.63%	1.65%

Effective Date 03/01/2025

18 Month Savings Certificate

18-23 Month Term

$1,000-$24,999	Dividend Rate	APY*
$1,000-$24,999	1.53%	1.55%
$25,000-$49,999	1.58%	1.60%
$50,000-$89,999	1.58%	1.60%
$90,000-$249,999	1.63%	1.65%
$250,000-$349,999	1.63%	1.65%
$350,000 & Above	1.68%	1.70%

Effective Date 03/01/2025

24 Month Savings Certificate

24-35 Month Term

	Dividend Rate	APY*
$1,000-$24,999	1.58%	1.60%
$25,000-$49,999	1.63%	1.65%
$50,000-$89,999	1.68%	1.70%
$90,000-$249,999	1.68%	1.70%
$250,000-$349,999	1.73%	1.75%
$350,000 & Above	1.78%	1.80%

Effective Date 03/01/2025

36 Month Savings Certificate

36-47 Month Term

	Dividend Rate	APY*
$1,000-$24,999	1.68%	1.70%
$25,000-$49,999	1.73%	1.75%
$50,000-$89,999	1.78%	1.80%
$90,000-$249,999	1.78%	1.80%
$250,000-$349,999	1.87%	1.90%
$350,000 & Above	1.92%	1.95%

* 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 03/01/2025

Regular Share Savings

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

Effective Date 03/01/2025

Money Market

	Dividend Rate	APY*
$2,500-$9,999	0.85%	0.85%
$10,000-$24,999	0.85%	0.85%
$25,000-$49,999	0.90%	0.90%
$50,000-$89,999	0.90%	0.90%
$90,000-$249,999	0.95%	0.95%
$250,000-$349,999	2.95%	3.00%
$350,000 & Above	2.95%	3.00%

Accordion 3

Checking

Effective Date 03/01/2025

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 03/01/2025

Preferred Checking

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

Effective Date 03/01/2025

Money Market Checking

	Dividend Rate	APY*
$2,500-$9,999	0.85%	0.85%
$10,000-$24,999	0.85%	0.85%
$25,000-$49,999	0.90%	0.90%
$50,000-$89,999	0.90%	0.90%
$90,000-$249,999	0.95%	0.95%
$250,000-$349,999	2.95%	3.00%
$350,000 & Above	2.95%	3.00%

Effective Date 03/01/2025

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 03/01/2025

IRA Shares

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

Effective Date 03/01/2025

IRA Money Market

	Dividend Rate	APY*
$100-$2,499	0.00%	0.00%
$2,500-$9,999	0.85%	0.85%
$10,000-$24,999	0.85%	0.85%
$25,000-$49,999	0.90%	0.90%
$50,000-$89,999	0.90%	0.90%
$90,000-$249,999	0.95%	0.95%
$250,000-$349,999	2.95%	3.00%
$350,000 & Above	2.95%	3.00%

Accordion 5

Other Savings Accounts

Effective Date 03/01/2025

Cookie Jar Accounts

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

Effective Date 03/01/2025

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.