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Rates effective February 1, 2026

Share Certificates and IRA Certificates

Term	Minimum Balance	Dividend Rates	APY*
6 Month	$1,000.00	3.203%	3.25%
12 Month	$1,000.00	3.445%	3.50%
24 Month	$1,000.00	3.687%	3.75%
36 Month	$1,000.00	3.687%	3.75%
48 Month	$1,000.00	3.687%	3.75%
60 Month	$1,000.00	3.687%	3.75%
84 Month	$1,000.00	3.687%	3.75%

Rate effective for February 2026

IRA Certificates

Term	Minimum Balance	Dividend Rates	APY*
18 Month Variable IRA Certificate **	$1.00	3.251%	3.30%

Rates effective for January 2026

IRA Share Accounts

Account Type	Min. Balance Between	Dividend Rate	APY*
IRA Savings	$5.00 - $1,000.00	0.698%	0.70%
IRA Savings	$1,000.01 - $5,000.00	0.747%	0.75%
IRA Savings	$5,000.01 - +	0.797%	0.80%

Rates effective for January 2026

Super Savings & Checking Accounts

Account Type	Minimum Balance	Dividend Rate	APY*
Super Savings	$1,000.00 ***	0.946%	0.95%
Super Savings	$5,000.00 ***	0.995%	1.00%
Super Savings	$50,000.00 ***	1.193%	1.20%
Super Savings	$100,000.00 ***	1.292%	1.30%
Share Draft/Checking	$1,000.00 ***	0.010%	0.01%
Super Checking	$1,000.00 ***	0.399%	0.40%
Super Checking	$5,000.00 ***	0.449%	0.45%
Super Checking	$50,000.00 ***	0.499%	0.50%
Super Checking	$100,000.00 ***	0.549%	0.55%

Rates effective for January 2026

Regular Savings 

Account Type	Minimum Balance	Dividend Rate	APY*
Regular Savings	$5.00	0.100%	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.