Effective as of:  November 13, 2020

Account Type	APR	APY
Shares (Savings)	0.10%	0.10%
Christmas/Wish Clubs	0.10%	0.10%
IRA Shares	0.50%	0.50%
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	0.20%	0.20%
$5,000 - $9,999	0.20%	0.20%
$10,000 - $24,999	0.20%	0.20%
$25,000 - $49,999	0.30%	0.30%
$50,000 - $99,999	0.35%	0.35%
$100,000 - $249,999	0.40%	0.40%
$250,000 and up	0.45%	0.45%
This account requires a $2,000 minimum daily balance to earn dividends.

 

Certificates of Deposit	APR	APY
6 months	0.40%	0.40%
12 months	0.55%	0.55%
24 months	0.65%	0.65%
36 months	0.80%	0.80%
60 months	1.00%	1.00%
24-month Payroll Deduction*	0.65%	0.65%
36-month Payroll Deduction*	0.80%	0.80%
60-month Payroll Deduction*	1.00%	1.00%
This account requires a $1,000 minimum daily balance to earn dividends.

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