Savings Rates Share Certificates and IRA Certificates Rates effective January 2, 2019 Term Minimum Balance Dividend Rates APY* 6 Month $1,000.00 1.34% 1.35% 12 Month $1,000.00 1.64% 1.65% 24 Month $1,000.00 1.93% 1.95% 36 Month $1,000.00 2.42% 2.45% 48 Month $1,000.00 2.72% 2.75% 60 Month $1,000.00 2.91% 2.95% 84 Month $1,000.00 3.40% 3.45% Rate effective for January 2019 18 Month Variable IRA Certificate ** $1.00 1.39% 1.40% IRA Share Accounts Rates effective for January 2019 Account Type Min. Balance Between Dividend Rate APY* IRA Savings $5.00 - $1,000.00 0.70% 0.70% $1,000.01 - $5,000.00 0.75% 0.75% $5,000.01 - + 0.80% 0.80% Super Savings & Share Draft/Checking Accounts Rates effective for January 2019 Account Type Minimum Balance Dividend Rate APY* Super Savings $1,000.00 *** 0.75% 0.75% $5,000.00 *** 0.80% 0.80% $50,000.00 *** 0.85% 0.85% $100,000.00 *** 0.90% 0.90% Share Draft/Checking $1,000.00 *** 0.05% 0.05% Super Checking $1,000.00 *** 0.35% 0.35% $5,000.00 *** 0.40% 0.40% $50,000.00 *** 0.45% 0.45% $100,000.00 *** 0.50% 0.50% Rates effective for December 2018 Regular Savings $5.00 0.10% 0.10% Fees may reduce earnings. Rates are subject to change. A fee may be charged for early withdrawal of a fixed term certificate and member will not receive the full advertised APY on account. *Annual Percentage Yield. **Rate may change after opening. ***Minimum average balance for the month to earn dividends.