Deposit Account Rates

Effective as of March 1st, 2023

Share Savings - Anticipated Dividends

Balance	Dividend Rate	Annual Percentage Yield
Below $100	0.00%	0.00%
$100 and above	0.30%	0.30%

A minimum deposit of $25 must be maintained.
No monthly account/service fees.
An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period.
Dividends are compounded and paid monthly.
Please see Fee Schedule.
Fees could reduce the earnings on the account.
Rates subject to chance without notice.

Checking Account - Anticipated Dividends

Balance	Dividend Rate	Annual Percentage Yield
$1,500 and above	0.05%	0.05%

A minimum deposit of $25 is required to open this account.
No monthly account/service fees.
An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.
Dividends are compounded and paid monthly.
Please see Fee Schedule.
Fees could reduce the earnings on the account.
Rates subject to change without notice.

Money Market Account - Anticipated Dividends

Balance	Dividend Rate	Annual Percentage Yield
Below $2,000	0.00%	0.00%
$2,000 to $24,999	0.50%	0.50%
$25,000 to $74,999	0.60%	0.60%
$75,000 to $124,999	0.70%	0.70%
$125,000 to $499,999	0.75%	0.75%
$500,000 to $999,999	1.80%	1.80%
$1,000,000 or greater	2.00%	2.00%

A minimum deposit of $50 is required to open this account.
No monthly account/service fees.
A daily balance of $2000 is required to obtain the Annual Percentage Yield for the monthly dividend period.
Dividends are compounded and paid monthly.
Please see Fee Schedule.
Fees could reduce the earnings on the account.
Rates subject to change without notice.

IRA Savings Account - Anticipated Dividends

Balance	Dividend Rate	Annual Percentage Yield
$25.00	0.40%	0.40%

A minimum deposit of $25 is required to open this account.
No minimum balance requirements.
No monthly account/service fees.
Dividends are compounded and paid monthly.
Please see Fee Schedule.
Fees could reduce the earnings on the account.
Rates subject to change without notice.

Share Certificate Rates

Effective as of March 21st, 2023

Truth-in-Savings Certificate Disclosure

$1,000 to $94,000

Term	Dividend Rate	Annual Percentage Yield
6 mo.	3.55%	3.60%
12 mo.	4.30%	4.37%
18 mo.	4.75%	4.84%
24 mo.	4.25%	4.32%
36 mo.	4.30%	4.37%
48 mo.	4.40%	4.47%
60 mo.	4.50%	4.58%

$95,000 to $224,999

Term	Dividend Rate	Annual Percentage Yield
6 mo.	3.65%	3.70%
12 mo.	4.40%	4.47%
18 mo.	4.85%	4.94%
24 mo.	4.35%	4.42%
36 mo.	4.40%	4.47%
48 mo.	4.50%	4.58%
60 mo.	4.60%	4.68%

$225,000 and Above

Term	Dividend Rate	Annual Percentage Yield
6 mo.	3.75%	3.80%
12 mo.	4.50%	4.58%
18 mo.	4.95%	5.04%
24 mo.	4.45%	4.52%
36 mo.	4.50%	4.58%
48 mo.	4.60%	4.68%
60 mo.	4.70%	4.78%

A minimum deposit of $1,000 is required.
- $95,000 for Jumbo Certificates
- $225,000 for Super Jumbo Certificates
Dividends are compounded and paid quarterly.
No monthly account/service fees.
Funds must remain on deposit for the term of the certificate or penalties will apply as follows:
- 1. Terms of 12 months or less - 90 days dividends.
- 2. Terms of over 12 months - 180 days dividends.
Please see Fee Schedule.
Fees could reduce the earnings on the account.
Rates subject to change without notice.

For all savings and money market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. There are no limitations to the number of transactions that you may perform on any account in person, by mail, or at an ATM.