Loan Rates Savings Rates Effective Date: May 2020 Regular Savings Accounts Account Type Nominal Rate APY* $25 to $10,000 0.20% 0.20% $10,001 & Over 0.35% 0.35% IRA Savings 0.30% 0.30% Checking 0.05% 0.05% Time Share Deposit Accounts Term Nominal Rate APY* 6 Month 0.40% 0.40% 1 Year 0.40% 0.40% 2 Year 0.75% 0.75% 3 Year 0.90% 0.90% 5 Year 1.00% 1.00% Minimum balance $1,000, penalty for early withdrawal. IRA Time Share Deposit Account Term Nominal Rate APY* 18 Month 0.60% 0.60% 2 Year 0.75% 0.75% 3 Year 0.90% 0.90% 5 Year 1.00% 1.00% Minimum balance $1,000, penalty for early withdrawal.