Effective as of April 28, 2021

Share rates

Term Share (Certificate) Rates

Account Type	Term	Rate	APY*
$1,000 minimum deposit	6 months	0.15%	0.15%
$1,000 minimum deposit	12 months	0.20%	0.20%
$1,000 minimum deposit	18 months	0.25%	0.25%
$2,500 minimum deposit	24 months	0.30%	0.30%
$2,500 minimum deposit	36 months	0.35%	0.35%

Jumbo Term Share (Certificate) Rates

Account Type	Term	Rate	APY*
$99,000 minimum deposit	6 months	0.20%	0.20%
$99,000 minimum deposit	12 months	0.25%	0.25%
$99,000 minimum deposit	18 months	0.30%	0.30%
$99,000 minimum deposit	24 months	0.35%	0.35%
$99,000 minimum deposit	36 months	0.40%	0.40%

Rates effective as of April 28, 2021. *APY = Annual percentage yield. IRA term share deposits available in 12 and 24-month terms. Rates subject to change at any time without notice. Early withdrawal penalty applies.

Savings Rates

Account Type	Rate	APY*
Regular Share (Savings) Account	0.05%	0.05%
Vacation Club Account	0.05%	0.05%
Holiday Club Account	0.05%	0.05%
Smart Savers Kids’ Account**	0.05%	0.05%

*APY = Annual percentage yield. **Average daily balances of $25.00 or more paid quarterly on Smart Savers Kids’ Account. Average daily balances of $100 or more are paid quarterly on Regular and Club Accounts. Rates subject to change at any time without notice.