Rates Effective January 01, 2026

Deposit Account Rates

Account Type	Nominal Rate	APY*
Share (Savings)	0.10%	0.10%
Club Accounts	0.10%	0.10%
IRA - Traditional, Roth or Coverdell (Education) Accounts	0.20%	0.20%

* APY - Annual Percentage Yield. All rates are subject to change without notice.

Money Market

Balance	Nominal Rate	APY*
$10,000	1.000%	0.80%
$25,000	1.500%	1.0%
$50,000	1.750%	1.25%
$100,000 plus	3.250%	3.0%

* APR - Annual Percentage Rate. All rates are subject to change without notice. 

Regular & IRA Certificates

Term	Nominal Rate	APY*	Min Balance
6 Months	3.80%	3.85%	N/A
12 Months	3.38%	3.42%	$500
18 Months	3.25%	3.29%	$500
24 Months	3.00%	3.03%	$500
36 Months	2.48%	2.50%	$50,000
48 Months	2.25%	2.26%	$75,000
60 Months	2.00%	2.01%	$100,000

* APY - Annual Percentage Yield. All rates are subject to change without notice.