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  CERTIFICATES as high as 2.93% APY*

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Account Rates

All APYs stated are accurate as of 9/25/2019

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 and 
posted monthly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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 $1,000.00 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 and 
posted monthly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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 and 
posted monthly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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 and 
posted monthly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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 and 
posted monthly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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 .51% .50%

* APY=Annual Percentage Yield.  Interest is compounded continuously and 
posted quarterly. Your interest rate and annual percentage yield may change.
We may change the interest rate on your account 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.