Rates

Rates Current as of October 21, 2020

CERTIFICATES OF DEPOSIT*

Term	Interest Rates1	APY CDs8	APY IRAs**58	Minimum Balancea
6 Month	0.20%	0.20%2	0.20%	$500.00
12 Month	0.35%	0.35%3	0.35%	$500.00
24 Month	0.45%	0.45%3	0.45%	$500.00
36 Month	0.55%	0.55%3	0.55%	$500.00
48 Month	0.65%	0.65%3	0.65%	$500.00
60 Month	0.75%	0.75%3	0.75%	$500.00

SAVINGS AND TRANSACTION ACCOUNTS

Variable Rate – The interest rate and annual percentage yield (APY) for these accounts may change

	Interest Rates	APYg	Minimum Balance to Open
Free Reward Checking	0.25%	0.25%6ef	$50.00 ($0.01-$25,000.00)c
Free Reward Checking	0.10%	0.10%6ef	$50.00 ($25,000.01 & Over)c
Free Reward Checking	0.05%	0.05%6f	$50.00f
Interest Checking	0.05%	0.05%6	$500.00 ($500.00 & Over)c
Money Market	0.10%	0.10%6	$1000.00 ($500-$9,999.99)c
Money Market	0.10%	0.10%6	$1000.00 ($10,000.00-$49,999.99)c
Money Market	0.15%	0.15%6	$1000.00 ($50,000.00-$99,999.99)c
Money Market	0.20%	0.20%6	$1000.00 ($100,000.00 & Over)c
RateMax Money Market	0.15%	0.15%6	$10,000.00 ($1,000.00-$9,999.99)c
RateMax Money Market	0.15%	0.15%6	$10,000.00 ($10,000.00-$24,999.99)c
RateMax Money Market	0.20%	0.20%6	$10,000.00 ($25,000.00-$49,999.99)c
RateMax Money Market	0.25%	0.25%6	$10,000.00 ($50,000.00-$74,999.99)c
RateMax Money Market	0.30%	0.30%6	$10,000.00 ($75,000.00 & Over)c
HSA Checking	0.10%	0.10%6	$50.00 ($500.00-$9,999.99)c
HSA Checking	0.10%	0.10%6	$50.00 ($10,00.00-$49,999.99)c
HSA Checking	0.15%	0.15%6	$50.00 ($50,00.00-$99,999.99)c
HSA Checking	0.20%	0.20%6	$50.00 ($100,000.00 & Over)c
Savings Account	0.10%	0.10%7	$100.00d

a Required to open and maintain stated annual percentage yield (APY)
c Required to maintain stated annual percentage yield (APY) if no service charge or charge for maintenance is imposed
d If no service charge or charge for maintenance is imposed, $1.00 balance required to maintain stated annual percentage yield (APY)
e Bonus Rate Requirements per cycle to earn stated annual percentage yield (APY):

• 10 posted & cleared Debit Card purchases (ATM-processed transactions do not count towards qualifying purchases)
• One posted and cleared direct deposit or ACH payment
• Receive Online Statements

f If Bonus Rate Requirements are not met in (e) all funds earn the stated annual percentage yield (APY)
g Fees could reduce the earnings on the account
1 Subject to change at renewal
2 Compounded at renewal
3 Compounded annually
5 Compounded annually on December 31st and/or at maturity
6 Compounded monthly
7 Compounded quarterly
8 A penalty may be imposed for early withdrawal
* Additional Rates available upon request
** Coverdell Education Savings Accounts are setup as an IRA