Deposit Rates

Discovery more about each ACCOUNT Interest Rates

* Member FDIC * Rates and APY effective and accurate as of January 23, 2019

Deposit Accounts

Account Type	Minimum Deposit	Interest Rate	APY
First Choice Account	$50	.40%	.40%
SuperNow (SNA)*	$2,000	.15%	.15%
Money Market (CMA)*	$3,000	.40%	.40%
Statement Savings*	$25	.35%	.35%
Christmas Club*	$5	1.50%	1.51%

* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened

Certificate of Deposit

Account Type	Minimum Deposit	Interest Rate	APY
3 month CD	$1,000	.75%	.75%
6 month CD*	$1,000	1.00%	1.00%
10 month CD	$1,000	1.50%	1.51%
12 month CD*	$1,000	1.25%	1.26%
18 month CD*	$500	1.30%	1.31%
24 month CD*	$500	1.35%	1.36%
30 month CD*	$500	1.40%	1.41%
36 month CD*	$500	1.45%	1.46%
60 month CD*	$500	1.50%	1.51%
See Officer	$250,000.01	--	--

* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.

Retirement Accounts

Account Type	Minimum Deposit	Interest Rate	APY
IRA (Traditional-Variable)*	$100	1.30%	1.31%
IRA (Roth-Variable)*	$100	1.30%	1.31%
IRA (Educational-Variable)*	$100	1.30%	1.31%
IRA (Guaranteed-Fixed)*	$500	.75%	.75%

* Interest compounded monthly

* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS

Account Type	Minimum Deposit	Interest Rate	APY
3 month (13 wk)*	$250,000.01	.85%	.85%
6 month (26 wk)*	$250,000.01	1.10%	1.11%
1 year (52 wk)*	$250,000.01	1.35%	1.36%
2 year (104 wk)*	$250,000.01	1.45%	1.46%
3 year (156 wk)*	$250,000.01	1.55%	1.56%

* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.