Effective as of:  September 16, 2022

Account Type	APR	APY
Shares (Savings)	0.10%	0.10%
Christmas/Wish Clubs	0.15%	0.15%
IRA Shares	0.25%	0.25%
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	0.40%	0.40%
$5,000 - $9,999	0.40%	0.40%
$10,000 - $24,999	0.45%	0.45%
$25,000 - $49,999	0.45%	0.45%
$50,000 - $99,999	0.55%	0.55%
$100,000 - $249,999	0.65%	0.65%
$250,000 and up	0.75%	0.75%
This account requires a $2,000 minimum daily balance to earn dividends.

 

Certificates of Deposit	APR	APY
6 months	0.75%	0.75%
12 months	1.25%	1.26%
24 months	1.35%	1.36%
36 months	1.50%	1.51%
60 months	1.75%	1.76%
24-month Payroll Deduction*	1.35%	1.36%
36-month Payroll Deduction*	1.50%	1.51%
60-month Payroll Deduction*	1.75%	1.76%
This account requires a $1,000 minimum daily balance to earn dividends.

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