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Savings Rates

Savings
Effective Date: December 31, 2016
RateAPY*
Primary Savings/Shares - $100 minimum deposit for dividends 0.05% 0.05%
Side Shares - $100 minimum deposit for dividends 0.05% 0.05%
Holiday Spending - $100 minimum deposit for dividends 0.05% 0.05%
Oakey Dokey - $10 minimum deposit for dividends 0.05% 0.05%

Money Market
Effective Date: December 31, 2016
BalanceRateAPY*
Less than $2,500 0.00% 0.00%
$2,500 - $19,999 0.05% 0.05%
$20,000 - $74,999 0.10% 0.10%
$75,000 - $99,999 0.15% 0.15%
$100,000 & up 0.20% 0.20%

Variable Rate IRAs
Effective Date: December 31, 2016
$100 minimum deposit to earn dividends.
RateAPY*
Traditional IRA 0.10% 0.10%
Roth IRA 0.10% 0.10%
Coverdell ESA Education Share Account 0.10% 0.10%
Health Savings Account 0.10% 0.10%

Term Share IRAs
Effective Date: December 31, 2016
$500 minimum deposit to earn dividends.
TermRateAPY*
Coverdell Educational ESA - 24 Month Term Share 0.50% 0.50%
1 Year Fixed Rate Term 0.40% 0.40%
2 Year Fixed Rate Term 0.50% 0.50%
3 Year Fixed Rate Term 0.70% 0.70%
4 Year Fixed Rate Term 0.80% 0.80%
5 Year Fixed Rate Term 1.00% 1.00%
Roth IRA - 12 Month Term 0.40% 0.40%
Roth IRA - 24 Month Term 0.50% 0.50%
Roth IRA - 36 Month Term 0.70% 0.70%
Roth IRA - 60 Month Term Share 1.00% 1.00%

Share Certificates
Effective Date: December 31, 2016
$500 minimum deposit to earn dividends.
TermRateAPY*
6 Month Term Share Account 0.20% 0.20%
12 Month Term Share Account 0.40% 0.40%
18 Month Term Share Account 0.40% 0.40%
24 Month Term Share Account 0.50% 0.50%
36 Month Term Share Account 0.70% 0.70%
48 Month Term Share Account 0.80% 0.80%
60 Month Term Share Account 1.00% 1.00%

*A.P.Y. = Annual Percentage Yield. All rates and APYs are accurate as of today and are subject to change at any time without prior notice.