| IRA Share Account |
| Effective Date: Sunday, June 4th, 2023 |
| Investment | Dividend Rate* | APY** (Annual Percentage Rate) |
| $250 - $9,999 |
0.15% APR |
0.15% APY |
| $10,000 - $24,999 |
0.20% APR |
0.20% APY |
| $25,000 & up |
0.25% APR |
0.25% APY |
| **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA Investment options, check out our Certificate of Deposit rates. |
| Certificate Accounts |
| Effective Date: Sunday, June 4th, 2023 |
| Term | APY Compounding | APY Non-Compounding |
| 3 months |
0.05% |
0.05% |
| 6 months |
0.20% |
0.20% |
| 12 months |
0.40% |
0.40% |
| 24 months |
0.50% |
0.50% |
| 36 months |
0.75% |
0.75% |
| 48 months |
0.85% |
0.84% |
| 60 Months |
0.95% |
0.94% |
| APY (Annual Percentage Yield) |
| 25 Month Special Non-Renewable |
2.79% |
2.75% |
| Certificate Account. Statement cycle is quarterly- jan-Mar, Apr-jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term minimum Balance for 3 months $250-6 months or more $1,000. Additional deposits during term: 3 months $250-6 Months or more $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. |
| 7 Month Special |
4.00% |
n/a |
| Current & New Money. 3.92% is a 4.00% APY.Minimum $1,000 deposit with additional deposit minimum $500. 7 month non-renewable pays at share maturity. |
| Money Market |
| Effective Date: 11/4/19 |
| Amount | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| $2000 -$9,999 |
0.10% |
0.10% |
| $10,000 - $24,999 |
0.15% |
0.15% |
| $25,000 -and up |
0.20% |
0.20% |
| *Annual Percentage Rate **Annual Percentage Yield |
| Young Savers (Thru age 21) |
| Effective Date: 11/4/19 |
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 6 months |
.40% |
040% |
| (Minimum deposit of $100. Maximum deposit of $2,500) New Money only |
| *Annual Percentage Rate **Annual Percentage Yield |
| SAVE TO WIN |
| Effective Date: 11/4/19 |
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 12 months |
.40% |
.40% |
| *Annual Percentage Rate **Annual Percentage Yield |
