Interest Rates & Annual Percentage Yields (APY)

Account Type	Daily Ending Balance	Interest Rate	APY
Money Market * $2,500.00 minimum balance to open and avoid a maintenance fee $0.01 minimum to earn APY	$0.01 - $2,500.99	0.25%	0.25%
	$2,501.00 - $10,000.99	0.30%	0.30%
	$10,001.00 - $25,000.99	0.40%	0.40%
	$25,001.00 - $50,000.99	0.50%	0.50%
	$50,001.99 - $100,000.99	0.80%	0.80%
	$100,001.00 - $200,000.99	0.90%	0.90%
	$200,001.00 - and over	0.95%	0.95%
Business Money Market	$200,001.00 - and over	1.00%	1.00%

Account Type	Daily Ending Balance	Interest Rate	APY
NOW Checking* $750.00 minimum balance to open and avoid a maintenance fee.	$0.01 minimum to earn APY	0.25%	0.25%
Business Interest Bearing Checking* $750.00 minimum balance to open and avoid a maintenance fee.	$0.01 minimum to earn APY	0.25%	0.25%
Savings Account $5.00 minimum balance to open	$50.00 minimum to earn APY	0.25%	0.25%
Christmas Club Maximum $10,000.00 Pays out the first week of October	$0.01 minimum to earn APY	0.35%	0.35%
Vacation Club Maximum $10,000.00 Coming April 3, 2020 Pays out the first week of April	$0.01 minimum to earn APY	0.75%	0.75%

Account Type	Daily Ending Balance	Interest Rate	APY
Health Savings Account (HSA) $50.00 minimum balance to open	$0.01 - $1,000.99	0.25%	0.25%
	$1,001.99 - $2,500.99	0.35%	0.35%
	$2,501.99 - $5,000.99	0.45%	0.45%
	$5,001.99 - $10,000.99	0.55%	0.55%
	$10,001.99 - $25,000.99	0.65%	0.65%
	$25,001.00 - and over	0.75%	0.75%

Certificates of Deposit
Minimum deposit $1,000/Term	Interest Rate	APY***
91 days	0.50%	0.50%
182 days	0.75%	0.75%
9 month	0.85%	0.85%
12 month	1.05%	1.05%
18 month**	1.10%	1.10%
24 month	1.15%	1.16%
30 month	1.15%	1.16%
36 month**	1.20%	1.21%
48 month	1.25%	1.26%
60 month	1.30%	1.31%
60 Month Scholastic CD#	1.30%	!.31%

IRA Certificate of Deposit
Minimum deposit $250/Term	Interest Rate	APY***
182 days	1.00%	1.00%
12 month	1.10%	1.11%
18 month**	1.15%	1.16%
24 month	1.20%	1.21%
30 month	1.25%	1.26%
36 month**	1.30%	1.31%
48 month	1.40%	1.41%
60 month	1.50%	1.51%

Rates are subject to change at any time without prior notice.

Substantial Penalty may apply for early withdrawal on Certificates of Deposit

The Daily Balance Method applies a daily periodic rate to the principal in the account each day.

*Fees may reduce Earnings
**18 and 36 month CD's can also be Add-On CD's ($100,000 Maximum for Add-On)
***APY - calculation based on quarterly compounding
****$10,000 minimum deposit to open

#Scholastic CD, Add-on CD for 18 and Younger, $500 Minimum to Open, $100 Minimum to Deposit or Withdraw, No penalty for withdrawals for Education.

Interest Rates & Annual Percentage Yields (APY)

CD / IRA Rates shown are effective May 26, 2020 ~ Money Market June 1, 2020

Money Market *

NOW Checking*

Business Interest Bearing Checking*

Savings Account

Christmas Club

Vacation Club

Health Savings Account (HSA)

Certificates of Deposit

IRA Certificate of Deposit