Saving Rates

Effective January 6, 2023

Share Savings - Primary and Secondary

Minimum Balance	APY	Dividend Rate
$0 - $499.99	0.00%	0.00%
$500.00 - $1,999.99	0.050%	0.050%
$2,000.00 - $4,999.99	0.050%	0.050%
$5,000.00 - $19,999.99	0.050%	0.050%
$20,000 or greater	0.050%	0.050%

Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.

Minimum Balance	APY	Dividend Rate
$25	0.200%	0.200%

Interest-Bearing Checking

Minimum Balance	APY	Dividend Rate
$0 - $499.99	0.00%	0.00%
$500.00- $2,499.99	0.050%	0.050%
$2,500 or greater	0.050%	0.050%

Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.

Club Accounts

Account	Minimum Balance	APY	Dividend Rate
Holiday	No minimum balance	0.050%	0.050%
Vacation	No minimum balance	0.050%	0.050%
Summer	No minimum balance	0.050%	0.050%

Youth Accounts

Account	Minimum Balance	APY	Dividend Rate
Polar Bear	No minimum balance	0.050%	0.050%
Teen Vision	No minimum balance	0.050%	0.050%

Horizons Account

Minimum Balance $25,000	APY	Dividend Rate
$25,000 - $99,999.99	0.500%	0.500%
$100,000+	1.000%	1.000%

$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Cash Management Account

Minimum Balance	APY	Dividend Rate
$2,500.00 - $9,999.99	0.250%	0.250%
$10,000.00 or greater	0.350%	0.350%

No dividends will be earned on the days that the minimum balance falls below $2,500.

Share Certificates $500 to $9,999.99

Term	APY	Dividend Rate
3 Month	0.450%	0.450%
6 Month	1.000%	1.000%
12 Month	4.000%	3.930%
24 Month	1.500%	1.490%
36 Month	1.650%	1.640%
60 Month	2.170%	2.150%

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $10,000 TO $24,999.99

Term	APY	Dividend Rate
3 Month	0.550%	0.550%
6 Month	1.100%	1.090%
12 Month	4.000%	3.930%
24 Month	1.600%	1.590%
36 Month	1.750%	1.740%
60 Month	2.270%	2.250%

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $25,000 to $49,999.99

Term	APY	Dividend Rate
3 Month	0.650%	0.650%
6 Month	1.200%	1.190%
12 Month	4.000%	3.930%
24 Month	1.700%	1.690%
36 Month	1.850%	1.830%
60 Month	2.380%	2.350%

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $50,000+

Term	APY	Dividend Rate
3 Month	0.750%	0.750%
6 Month	1.300%	1.290%
12 Month	4.000%	3.930%
24 Month	1.800%	1.790%
36 Month	1.950%	1.930%
60 Month	2.480%	2.450%

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

IRA Share Certificates $500 TO $9,999.99

Term	APY	Dividend Rate
12 Month	4.000%	3.930%
18 Month	1.250%	1.240%
36 Month	1.700%	1.690%
60 Month	2.220%	2.200%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $10,000 TO $24,999.99

Term	APY	Dividend Rate
12 Month	4.000%	3.930%
18 Month	1.300%	1.290%
36 Month	1.750%	1.740%
60 Month	2.320%	2.300%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $25,000 TO $49,999.99

Term	APY	Dividend Rate
12 Month	4.000%	3.930%
18 Month	1.400%	1.390%
36 Month	1.900%	1.880%
60 Month	2.430%	2.400%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $50,000+

Term	APY	Dividend Rate
12 Month	4.000%	3.930%
18 Month	1.450%	1.430%
36 Month	2.000%	1.980%
60 Month	2.530%	2.500%

Minimum balance for IRA Share Certificates is $500.

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates. Penalties apply for early withdrawal. Penalty may decrease principal. No monthly maintenance fee for Share Certificates and IRA Share Certificates. Please see Truth-in-Savings or Certificates disclosures for specific account requirements and restrictions.