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Savings Rates

Savings
Effective Date: October 1, 2018
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: October 1, 2018
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 0.30% 0.30%

Variable Rate IRAs
Effective Date: October 1, 2018
$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: July 16, 2018
$500 minimum deposit to earn dividends.
TermRateAPY*
Coverdell Educational ESA - 24 Month Term Share 1.50% 1.50%
1 Year Fixed Rate Term 1.25% 1.25%
2 Year Fixed Rate Term 1.50% 1.50%
3 Year Fixed Rate Term 1.75% 1.75%
4 Year Fixed Rate Term 2.00% 2.51%
5 Year Fixed Rate Term 2.25% 2.26%
Roth IRA - 12 Month Term 1.25% 1.25%
Roth IRA - 24 Month Term 1.50% 1.50%
Roth IRA - 36 Month Term 1.75% 1.75%
Roth IRA - 60 Month Term Share 2.25% 2.26%

Share Certificates
Effective Date: October 1, 2018
$500 minimum deposit to earn dividends.
TermRateAPY*
6 Month Term Share Account 1.00% 1.00%
12 Month Term Share Account 1.25% 1.25%
18 Month Term Share Account 1.40% 1.40%
24 Month Term Share Account 1.50% 1.51%
36 Month Term Share Account 1.75% 1.76%
48 Month Term Share Account 2.00% 2.01%
60 Month Term Share Account 2.25% 2.26%

*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. Early withdrawal penalty may apply.