Rates

Effective Date: December 2025

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.