Account Rates

All APYs stated are accurate as of 8/21/2019

Certificates of Deposit (CD)

Term	Minimum  to Open	APY*	Interest Rate
91 Day	$500.00	0.87%	0.85%
6-11 Months	$500.00	1.84%	1.80%
12-17 Months	$500.00	2.20%	2.15%
18-23 Months	$500.00	2.46%	2.40%
24-35 Months	$500.00	2.57%	2.50%
36-47 Months	$500.00	2.67%	2.60%
48-59 Months	$500.00	2.78%	2.70%
60 Months	$500.00	2.93%	2.85%

*APY=Annual Percentage Yield.  Interest is compounded continuously and
updated APY assumes funds will remain on deposit until certificate maturity.
A penalty may be imposed for early withdrawal on all certificates of deposit.
Certificate rates are subject to change each week. Once established, an account
maintains the initial rate of interest until certificate maturity, unless otherwise specified.
APY is accurate as of the date stated above.

Money Market NOW Account

Minimum Amount  to Open	Minimum to Earn  Annual Percentage Yield	APY*	Interest Rate
$1,000.00	$100,000 & Over	1.02%	1.00%
$1,000.00	$50,000 to 99,999.99	0.76%	0.75%
$1,000.00	$10,000 to $49,999.99	0.46%	0.45%
$1,000.00	$2,500 to 9,999.99	0.36%	0.35%
$1,000.00	Under $2,500.00	0.15%	0.15%

*APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and
subject to change weekly.  Statements include images of your paid checks and are mailed monthly.
Account holders have the ability to issue a limit of 6 transactions monthly to a third party.
Deposits are unlimited. There is a $.20 per check charge. Requires maintaining a balance of
$1000.00 to avoid a $6 monthly service charge. Other general service fees may apply.
Fees may reduce earnings. APY is accurate as of the date stated above.

NOW Personal Checking Account

Minimum Amount  to Open	APY*	Interest Rate
$50.00	0.25%	0.25%

* APY=Annual Percentage Yield.  Interest is compounded continuously,
posted monthly and subject to change weekly. No minimum balance is
required to earn the stated APY.  Requires maintaining a balance of $250
to avoid a $5 monthly service charge. Other general service fees apply.
Fees may reduce earnings. APY is accurate as of the date stated above.

NOW Business Checking Account

Minimum to Open	Minimum to Earn  Annual Percentage Yield	APY*	Interest Rate
$50.00	$100,000 & Over	0.76%	0.75%
$50.00	$50,000 to $99,999.99	0.51%	0.50%
$50.00	$10,000 to $49,999.99	0.25%	0.25%
$50.00	Under $10,000	0.10%	0.10%

* APY=Annual Percentage Yield.  Interest is compounded continuously, posted monthly
and subject to change weekly.  No minimum balance is required to earn the stated APY.
There is a monthly service charge of $5.00, a per deposit fee of $.11, and a per check
charge of $.15. Other general service fees may apply. Fees may reduce earnings.
APY is accurate as of the date stated above.

Passbook Savings

Minimum Amount  to Open	APY*	Interest Rate
$5.00	0.30%	0.30%

*APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and
subject to change weekly.  No minimum balance is required.  No monthly service charge. 
No fee for ACH transactions. Other general service fees may apply. Fees may reduce earnings.
APY is accurate as of the date stated above.

Variable Rate IRA

Minimum Amount  to Open	APY*	Interest Rate
$50.00	2.57%	2.50%

*APY=Annual Percentage Yield. Interest is compounded continuously, posted monthly and
subject to change weekly. No minimum balance is required.  No monthly service charge.
No fee for ACH transactions.  Deposits are unlimited. Consult your tax advisor regarding 
the tax-saving possibilities and deductibility of your contributions. APY is accurate as of
the date stated above.

Christmas Club

Minimum Amount  to Open	APY*	Interest Rate
$5.00	.41%	.40%

*APY=Annual Percentage Yield. Interest is compounded continuously, posted quarterly
and subject to change annually. No minimum balance is required. No monthly service charge.
Deposits are unlimited. No fee for ACH transactions. Other general service fees may apply.
Fees may reduce earnings.  APY is accurate as of the date stated above.