Personal Rates

Effective Date: 12-23-2024

Checking Accounts

Account	Minimum Opening Deposit	Balance Tiers to Earn APY*	Interest Rate	APY*
Classic Checking	$50	--	--	--
Super NOW Checking	$1,000	$0+	0.30%	0.30%
Premier Checking**	$100	$0 - $19,999.99	2.00%*	2.01%*
Premier Checking**	$100	$20,000 +	0.20%	0.20%

Print Rates for Checking Accounts

Savings Accounts

Account	Minimum Opening Deposit	Balance Tiers to Earn APY*	Interest Rate	APY*
Savings	$50	$10+	0.25%	0.25%
Money Market	$2,500	$2,500 - $4,999.99	1.00%	1.00%
		$5,000 - $19,999.99	1.10%	1.11%
		$20,000 - $49,999.99	1.30%	1.31%
		$50,000 - $99,999.99	2.75%	2.78%
		$100,000 - $499,999.99	3.00%	3.04%
		$500,000 - $999,999.99	3.50%	3.55%
		$1,000,000.00 +	4.00%	4.07%
Health Savings (HSA)	$50	$0+	1.00%	1.00%

Print Rates for Savings Accounts

Certificate of Deposit (CD) & IRA

Account	Minimum Opening Deposit	Standard		Jumbo***
Term Length	$500	Interest Rate	APY	Interest Rate	APY***
91 Day CD		3.75%	3.80%	4.00%	4.06%
182 Day CD		3.75%	3.79%	4.00%	4.04%
1 Year CD or IRA		4.00%	4.04%	4.25%	4.30%
18 Month CD or IRA		3.75%	3.79%	4.00%	4.04%
24 Month CD or IRA		3.75%	3.79%	4.00%	4.04%
30 Month CD or IRA		4.00%	4.04%	4.25%	4.30%
36 Month CD or IRA		4.00%	4.04%	4.25%	4.30%
48 Month CD or IRA		4.00%	4.04%	4.25%	4.30%
60 Month CD or IRA		4.00%	4.04%	4.25%	4.30%

Print Rates for Certificate of Deposit (CD) & IRA

*APY = Annual Percentage Yield. The annual percentage yield assumes interest will remain on deposit for one year. The APY is accurate as of 12/23/2024.
**Premier Checking Account bonus rate only applies when additional requirements are met.
***Jumbo CD rates are available for certificate balances $250,000 & above. Rates only apply when additional qualifications are met.
Interest will be compounded and credited to the Certificate of Deposit semi-annually. A withdrawal of interest will reduce earnings.
A penalty may be imposed for early withdrawal. Rates listed above may change at our discretion and may be subject to additional requirements.
Fees may reduce earnings.

At our discretion, the interest rate and annual percentage yield may change. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.