Deposit Rates

Savings Rate

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Regular Share Acct

$5.00 Minimum Balance 0.05%

Value Plus Christmas Club

$0 Minimum Balance 0.05%

Value Plus Vacation Club

$0 Minimum Balance 0.05%

Kids Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Regular Share Acct

$5.00 Minimum Balance 0.05%

Kickstart Kids Savings Acct¹

$5.00 Minimum Balance 4.06%

High Yield Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

High Yield Savings Balance

Less Than $1,000.00 0.05%

High Yield Savings Balance

$1,000.00 – $24,999.99 0.35%

High Yield Savings Balance

$25,000.00 – $99,999.99 0.45%

High Yield Savings Balance

$100,000.00 and Over 0.55%

Money Market Account Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Money Market Balance

Less Than $1,000.00 0.05%

Money Market Balance

$1,000.00 – $24,999.99 1.26%

Money Market Balance

$25,000.00 – $99,999.99 1.76%

Money Market Balance

$100,000.00 and Over 2.02%

Checking Rates

Checking Type

Minimum Opening Deposit

APY*

Prestige Checking Acct**

$50.00 0.05%

Six Star Checking Acct***

$50.00 0.75%

Certificate Rates

Certificate Type

Regular Certificate

($500 – $49,999.99)

Jumbo Certificate

($50,000 or more)

3 Month Certificate (quarterly dividends)

3.00% APY* 3.00% APY*

6 Month Certificate (monthly dividends)

3.95% APY* 3.95% APY*

6 Month Certificate (quarterly dividends)

4.30% APY* 4.30% APY*

9 Month Certificate (quarterly dividends)

4.52% APY* 4.52% APY*

12 Month Certificate (monthly dividends)

4.25% APY* 4.25% APY*

12 Month Certificate (quarterly dividends)

4.58% APY* 4.58% APY*

18 Month Certificate (monthly dividends)

4.25% APY* 4.25% APY*

18 Month Certificate (quarterly dividends)

3.81% APY* 3.81% APY*

24 Month Certificate (monthly dividends)

3.50% APY* 3.50% APY*

24 Month Certificate (quarterly dividends)

3.55% APY* 3.66% APY*

30 Month Certificate

3.30% APY* 3.40% APY*

36 Month Certificate

3.30% APY* 3.40% APY*

48 Month Certificate

3.30% APY* 3.40% APY*

2nd Chance 48 Month Certificate (quarterly dividends)

N/A N/A

5 Year Certificate

3.30% APY* 3.40% APY*

Certificate Specials

6 Month Special

5.25% APY† (minimum $10,000 New Money)

12 Month Special

4.75% APY† (minimum $5,000 New Money)

Value Plus Certificate Rates

Certificate Type

Minimum Balance

APY*

Value Plus Certificate

Value Plus Certificate 3.81% APY*

IRA Rates

IRA Type

Regular IRA

($500 – $49,999.99)

Jumbo IRA

($50,000 or more)

IRA 12 Month Certificate

4.84% APY* 4.84% APY*

IRA 18 Month Certificate

4.07% APY* 4.07% APY*

IRA 24 Month Certificate

3.81% APY* 3.92% APY*

IRA 36 Month Certificate

3.56% APY* 3.66% APY*

IRA 48 Month Certificate

3.56% APY* 3.66% APY*

IRA 5 Year Certificate

3.56% APY* 3.66% APY*

Roth IRA 12 Month Certificate

4.84% APY* 4.84% APY*

Roth IRA 18 Month Certificate

4.07% APY* 4.07% APY*

Roth IRA 24 Month Certificate

3.81% APY* 3.92% APY*

Roth IRA 36 Month Certificate

3.56% APY* 3.66% APY*

Roth IRA 48 Month Certificate

3.56% APY* 3.66% APY*

Roth IRA 5 Year Certificate

3.56% APY* 3.66% APY*

Coverdell Education 12 Month Certificate

4.84% APY* 4.84% APY*

Coverdell Education 18 Month Certificate

4.07% APY* 4.07% APY*

Coverdell Education 24 Month Certificate

3.81% APY* 3.92% APY*

Coverdell Education 36 Month Certificate

3.56% APY* 3.66% APY*

Coverdell Education 48 Month Certificate

3.56% APY* 3.66% APY*

Coverdell Education 5 Year Certificate

3.56% APY* 3.66% APY*

IRA Variable Rates

Certificate Type

Minimum Balance

APY*

IRA Variable Acct**

$100 0.25% APY*

Roth IRA Variable Acct**

$100 0.25% APY*

Coverdell Education Savings Variable Acct

$100 0.25% APY*