Savings Rates

Effective January 1, 2023

Type of Account	Dividend Rate	APY = Annual Percentage Yield
Share Account	0.02%	0.02%	Anticipated; $5 to open
Custodial	0.02%	0.02%	Anticipated; $5 to open
Share Draft Account	0.00 %	0.00 %	Anticipated
Vacation Club	0.02%	0.02%	Anticipated
Christmas Club	0.02%	0.02%	Anticipated
IRA	0.02%	0.02%	Anticipated

Share Certificate Rates	Dividend Rate	APY = Annual Percentage Yield	$500 Minimum Deposit on Share Certificates
1 Year	0.00%	0.00%	Effective March 16, 2021
2 Years	0.00%	0.00%	Effective March 16, 2021
3 Years	0.00%	0.00%	Effective March 16, 2021
4 Years	N/A	N/A	This product is currently unavailable
5 Years	N/A	N/A	This product is currently unavailable
IRA Certificate Rates	Dividend Rate	APY = Annual Percentage Yield
IRA 1 Year	0.00%	0.00%	Effective March 16, 2021
IRA 2 Years	0.00%	0.00%	Effective March 16, 2021
IRA 3 Years	0.00%	0.00%	Effective March 16, 2021
IRA 4 Years	N/A	N/A	This product is currently unavailable
IRA 5 Years	N/A	N/A	This product is currently unavailable
*Fees could reduce the earnings on account. Penalty may apply for early withdrawal. Rates subject to change without notice.