| Share Certificates |
| Effective Date: January 6th, 2026 |
| Early Surrender Penalties Apply |
| Terms | Minimum | Dividend Rate | APY (Annual Percentage Yield) |
| 3 Month |
$500.00 |
1.00% |
1.00% |
| 3 Month Royalty (Age 65+) |
$500.00 |
1.05% |
1.05% |
| 6 Month |
$500.00 |
3.55% |
3.61% |
| 6 Month Royalty (Age 65+) |
$500.00 |
3.60% |
3.66% |
| 7 Month |
$1,000.00 |
3.55% |
3.61% |
| 12 Month |
$500.00 |
3.55% |
3.61% |
| 12 Month Royalty (Age 65+) |
$500.00 |
3.60% |
3.66% |
| 13 Month CD SPECIAL |
$1,000.00 |
3.55% |
3.61% |
| 24 Month |
$500.00 |
3.25% |
3.30% |
| 24 Month Royalty (Age 65+) |
$500.00 |
3.30% |
3.35% |
| 36 Month |
$500.00 |
2.95% |
2.99% |
| 36 Month Royalty (Age 65+) |
$500.00 |
3.00% |
3.04% |
| 48 Month |
$500.00 |
2.33% |
2.36% |
| 48 Month Royalty (Age 65+) |
$500.00 |
2.38% |
2.41% |
| Youth Starter Certificate |
| Effective Date: January 6th, 2026 |
| New Money Can Be Added |
| Term | Minimum | Dividend Rate | APY (Annual Percentage Yield) |
| 12 Month (Age 18 and under) |
$250.00 |
1.75% |
1.76% |
| Direct Deposit Certificate |
| Effective Date: January 6th, 2026 |
| Funding & Additions Through Direct Deposit Or Scheduled ACH Deposits |
| Term | Minimum | Dividend Rate | APY (Annual Percentage Yield) |
| 18 Month |
$500.00 |
1.75% |
1.76% |
| Pay Yourself First CD |
| Effective Date: January 6th, 2026 |
| Term Length Matches Length Of Loan. Direct Deposit Required. Click Here for more information. |
| Term | Minimum | Dividend Rate | APY (Annual Percentage Yield) |
| (Ex. 36 month auto loan = 36 month cert.) |
No more than 10% of loan payment* |
|
Varied** |
| Individual Retirement Accounts (IRA) |
| Effective Date: January 6th, 2026 |
| Traditional & Roth Options Available For Renewal Only For Either Club Or Certificate Accounts |
| Term | Dividend Rate | APY (Annual Percentage Yield) |
| IRA Club |
0.10% |
0.10% |
| 12 Month IRA CD |
0.45% |
0.45% |
| 18 Month IRA CD |
0.55% |
0.55% |
| 24 Month IRA CD |
0.60% |
0.60% |
