Effective as of:  July 2, 2021

Account Type	APR	APY
Shares (Savings)	0.05%	0.05%
Christmas/Wish Clubs	0.05%	0.05%
IRA Shares	0.20%	0.20%
The above accounts require a $250 minimum average daily balance to earn dividends.
Gold Checking	0.10%	0.10%
This account requires a $750 minimum average daily balance to earn dividends.

 

Money Market	APR	APY
$2,000 - $4,999	0.10%	0.10%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $24,999	0.10%	0.10%
$25,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.20%	0.20%
$100,000 - $249,999	0.20%	0.20%
$250,000 and up	0.25%	0.25%
This account requires a $2,000 minimum daily balance to earn dividends.

 

Certificates of Deposit	APR	APY
6 months	0.20%	0.20%
12 months	0.30%	0.30%
24 months	0.35%	0.35%
36 months	0.50%	0.50%
60 months	0.70%	0.70%
24-month Payroll Deduction*	0.35%	0.35%
36-month Payroll Deduction*	0.50%	0.50%
60-month Payroll Deduction*	0.70%	0.70%
This account requires a $1,000 minimum daily balance to earn dividends.

APR = Annual Percentage Rate; APY = Annual Percentage Yield
*Interest compounded semi-annually.