Savings Rates Share Certificates and IRA Certificates Rates effective November 1, 2018 Term Minimum Balance Dividend Rates APY* 6 Month $1,000.00 1.14% 1.15% 12 Month $1,000.00 1.44% 1.45% 24 Month $1,000.00 1.74% 1.75% 36 Month $1,000.00 2.18% 2.20% 48 Month $1,000.00 2.47% 2.50% 60 Month $1,000.00 2.67% 2.70% 84 Month $1,000.00 3.15% 3.20% Rate effective for November 2018 18 Month Variable IRA Certificate ** $1.00 1.19% 1.20% IRA Share Accounts Rates effective for October 2018 Account Type Min. Balance Between Dividend Rate APY* IRA Savings $5.00 - $1,000.00 0.55% 0.55% $1,000.01 - $5,000.00 0.60% 0.60% $5,000.01 - + 0.65% 0.65% Super Savings & Share Draft/Checking Accounts Rates effective for October 2018 Account Type Minimum Balance Dividend Rate APY* Super Savings $1,000.00 *** 0.55% 0.55% $5,000.00 *** 0.60% 0.60% $50,000.00 *** 0.65% 0.65% $100,000.00 *** 0.70% 0.70% Share Draft/Checking $1,000.00 *** 0.05% 0.05% Super Checking $1,000.00 *** 0.25% 0.25% $5,000.00 *** 0.30% 0.30% $50,000.00 *** 0.35% 0.35% $100,000.00 *** 0.40% 0.40% Rates effective for October 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.