Share Rates

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Effective Date: 01/01/2019

Account Type	Minimum Balance	Dividend Rate	APY
Savings*	$5.00	0.10%	0.10%
Checking**	None	0.05%	0.05%
Christmas Club*	None	0.10%	0.10%
Vacation Club*	None	0.10%	0.10%
Money Market***	$1,000.00 - $25,000.00	0.20%	0.20%
Money Market***	$25,000.01 - $75,000.00	0.30%	0.30%
Money Market***	$75,000.01 +	0.40%	0.40%

Share Certificate Rates

*Effective July 2, 2018. Rates subject to change. Please call for most current updates. 
* Dividend period Quarterly
**Dividend period Monthly
***Dividend period Monthly / If less than $1,000 minimum, APY = current Checking Rate & subject to monthly fee.
APY is Annual Percentage Yield.
Share certificates require a $500 minimum deposit and opening balance. Deposits of $500 or more may be added to 3-18 month certificates only. Junior Certificates require a $100 minimum deposit and opening balance.
A one time rate adjustment can be requested during the term of any certificate. The maturity of the cerfificate will not be affected.
Seniors (age 55 and older) receive an additional .15% APR to the rates listed above for share and IRA certificates.

Account Type	Term	Dividend Rate	APY
IRA Certificate*	12 Months	1.00%	1.00%
IRA Certificate*	18 Months	1.10%	1.10%
IRA Certificate*	24 Months	1.25%	1.26%
IRA Certificate*	36 Months	1.50%	1.51%
IRA Certificate*	48 Months	2.00%	2.02%
IRA Certificate*	60 Months	2.25%	2.27%
Junior Saver Certificate*	12 Months	1.00%	1.00%
Share Certificate*	3 Months	0.25%	0.25%
Share Certificate*	6 Months	0.40%	0.40%
Share Certificate*	12 Months	1.00%	1.00%
Share Certificate*	18 Months	1.10%	1.10%
Share Certificate*	24 Months	1.25%	1.26%
Share Certificate*	36 Months	1.50%	1.51%
Share Certificate*	48 Months	2.00%	2.02%
Share Certificate*	60 Months	2.25%	2.27%