Loan Rates Savings Rates Effective Date: May 2026 Regular Savings Accounts Account Type Nominal Rate APY* $25 to $10,000 0.40% 0.40% $10,001 & Over 0.55% 0.55% IRA Savings 0.50% 0.50% Checking 0.30% 0.30% Time Share Deposit Accounts Term Nominal Rate APY* 6 Month 3.25% 3.30% 1 Year 3.50% 3.56% 2 Year 2.70% 2.73% 3 Year 2.75% 2.79% Minimum balance $1,000, penalty for early withdrawal. IRA Time Share Deposit Account Term Nominal Rate APY* 18 Month 2.55% 2.58% 2 Year 2.70% 2.73% 3 Year 2.75% 2.79% Minimum balance $1,000, penalty for early withdrawal.