Deposit Rates

The Dividend Rates and corresponding Annual Percentage Yields
disclosed below are subject to change without notice.

Master Share Savings

Effective 2/1/2026	Dividend Rate	APY
	1.49%	1.50%
Dividends are compounded daily and paid monthly.  A minimum balance of $5 is required to maintain membership.  Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield.  If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account.

Sub Share Savings

Effective 2/1/2026	Dividend Rate	APY
	1.49%	1.50%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account.

Share Draft/Checking

Effective 2/1/2026	Dividend Rate	APY
	1.49%	1.50%
Dividends are compounded daily and paid monthly.  The Share Draft account earns dividends on balances over $250.  If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.  There are no per transaction or minimum balance fees charged.  Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $25.  The fee to stop payment on a draft is $20.  First box of checks is free to members.  Members purchase their own checks after the first box.

Term Share Certificates (CDs)

Effective 2/1/2026	Term	Dividend Rate	APY
	12 Month	1.49%	1.50%
	24 Month	1.982%	2.00%
	36 Month	1.982%	2.00%
Dividends are compounded monthly and paid monthly or on maturity.  Minimum balance of $1,000 is required to open and maintain a certificate account.  Once a certificate is opened, no additions can be made until maturity.  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.

Holiday Club

Effective 2/1/2026	Dividend Rate	APY
	1.49%	1.50%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account. The full balance is disbursed in October each year.

Money Market

Effective 2/1/2026	Dividend Rate	APY
	1.736%	1.75%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account; however, dividends are earned only on balances over $2,500.  If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.

Dividend Rate: The annual rate of dividend paid on an account.
Annual Percentage Yield (APY): The effective annual rate of return taking into account the effect of compounding.
Fees may reduce earnings on accounts.
Rates and APYs are subject to change at any time as determined by the Board of Directors.