Savings Rates

Type	Dividend Rate	Annual Percentage Yield
Savings Minimum Balance $5	0.10%	0.10%
Checking Minimum Balance $0	0.00% ^*1	0.00%
Money Market Minimum Balance $2500	0.25%	0.25%
Health Savings Account Minimum Balance $0	0.25%	0.25%
Christmas Club Minimum Balance $0	0.10% ^*2	0.10%
IRA Minimum Balance $5	0.25%	0.25%

Rates Effective 10/01/2020

1 $25 minimum deposit required to open a Checking account. When dividends are available, Average Daily Balances below $500 do not earn any dividends.
2 Automatically transferred to Savings on Sept 30th

Type & Minimum Balance		Period (Months)
Type & Minimum Balance		3	6	12	18	24	36	48	60
Certificate Minimum Balance $500	Div. Rate	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
Certificate Minimum Balance $500	APY*	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
Business Certificate Minimum Balance $500	Div. Rate	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
Business Certificate Minimum Balance $500	APY*	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
IRA Certificate Minimum Balance $500	Div. Rate	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
IRA Certificate Minimum Balance $500	APY*	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
Premium Certificate Minimum Balance $100,000	Div. Rate	0.25%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%	0.90%
Premium Certificate Minimum Balance $100,000	APY*	0.25%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%	0.90%
Premium IRA Certificate Minimum Balance $100,000	Div. Rate	0.25%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%	0.90%
Premium IRA Certificate Minimum Balance $100,000	APY*	0.25%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%	0.90%
HSA Certificate Minimum Balance $500	Div. Rate	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%
HSA Certificate Minimum Balance $500	APY*	0.15%	0.20%	0.30%	0.40%	0.50%	0.60%	0.70%	0.80%

Rates Effective 04/15/2021* All savings rates quoted as annual percentage yields.

** If the term of a certificate is 18 months or less, the forfeiture is an amount equal to one month of dividends, whether earned or not. If the term of a certificate is more than 18 months, the forfeiture is an amount equal to six months of dividends, whether earned or not.
*** Rates subject to change without a notice.
**** Fees could reduce the earnings on an account.