Savings Rates

Savings Accounts

Effective as of January 1, 2025

Account Type	Dividend Rates	APY*
Savings Account+	0.35%	0.35%
Club Account++	0.35%	0.35%
College Club Account+++	0.45%	0.45%
Health Savings Account	0.65%	0.65%
IRA++++	0.65%	0.65%
Money Market Account+++++	2.25%	2.27%
*APY = Annual Percentage Yield. Fees could reduce earnings on any account. Rates subject to change without notice.+$5 minimum to open Share Account. $100 minimum balance required to earn dividends. ++No minimum balance to open Club Account. $100 minimum balance required to earn dividends. +++No minimum balance to open College Club Account. No minimum balance required to earn dividends. College Club Account is for members ages 25 and under. ++++$100 minimum to open Share IRA. $100 minimum balance required to earn dividends. $500 minimum balance on certificates. +++++No minimum balance to open Money Market Account. $2,500 minimum balance required to earn dividends.

Money Market Plus Account

Effective as of January 1, 2025

Balance Tiers	Dividend Rates	APY
< $25,000	2.25%	2.27% APY
$25,000- < $50,000	2.35%	2.38% APY
$50,000 - < $75,000	2.45%	2.48% APY
$75,000 - < $100,000	2.55%	2.58% APY
$100,000- < $250,000	2.65%	2.68% APY
$250,000+	2.75%	2.78% APY
APY = Annual Percentage Yield. Rates subject to change without notice. $25,000 minimum balance to open. Transaction limits apply. $2,500 minimum average monthly balance to earn dividends. Fees could reduce earnings on any account.

Share Certificates

Effective as of January 1, 2025.

Term	Dividend rates	APY	Classic Account Dividend Rates	Classic Account APY
3 Month Special	4.00%	4.07% APY	4.10%	4.18% APY
6 Month Special	3.75%	3.82% APY	3.85%	3.92% APY
9 Months	2.70%	2.73% APY	2.80%	2.84% APY
12 Months	2.80%	2.84% APY	2.90%	2.94% APY
18 Months	2.85%	2.89% APY	2.95%	2.99% APY
24 Months	2.90%	2.94% APY	3.00%	3.04% APY
30 Months	2.95%	2.99% APY	3.05%	3.09% APY
36 Months	3.00%	3.04% APY	3.10%	3.14% APY
48 Months	3.10%	3.14% APY	3.20%	3.25% APY
60 Months	3.20%	3.25% APY	3.30%	3.35% APY
APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Bump Certificates

Bump Rate Certificates

Effective as of January 1, 2025

Term	Dividend rates	APY	Classic Account Dividend Rates	Classic Account APY
24 Months	2.80%	2.84% APY	2.90%	2.94% APY
36 Months	2.90%	2.94% APY	3.00%	3.04% APY
48 Months	3.00%	3.04% APY	3.10%	3.14% APY
60 Months	3.10%	3.14% APY	3.20%	3.25% APY
APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Liquid Certificates

Effective as of January 1, 2025

Term	Dividend Rates	APY	Classic Account Dividend Rates	Classic Account APY
12 Months	2.75%	2.78% APY	2.85%	2.89% APY
18 Months	2.80%	2.84% APY	2.90%	2.94% APY
APY = Annual Percentage Yield. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. $5,000 minimum balance required to open Liquid Certificates. Includes one penalty-free withdrawal per quarter.

Save Up Certificates

Effective as of January 1, 2025

Term	Dividend Rates	APY	Classic Account Dividend Rates	Classic Account APY
12 Months	2.70%	2.73% APY	2.80%	2.84% APY
24 Months	2.80%	2.84% APY	2.90%	2.94% APY
APY = Annual Percentage Yield. Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.