Rates

Effective Date: November 16, 2018

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	1.10%	1.10%
1 Year	1.50%	1.51%
1 Year Jumbo ***	2.60%	2.63%
2 Year	1.90%	1.92%
3 Year	2.00%	2.02%
5 Year	2.30%	2.32%

Minimum balance $1,000, penalty for early withdrawal.
*** Minimum balance $100,000, penalty for early withdrawal.

IRA Time Share Deposit Account
Term	Nominal Rate	APY*
18 Month	1.00%	1.00%
2 Year	1.90%	1.92%
3 Year	2.00%	2.02%
5 Year	2.30%	2.32%

Minimum balance $1,000, penalty for early withdrawal.