Business Rates

CD Rates

Effective 1/1/2023

Savings and Checking Rates

Business Savings & Checking Accounts
Fee Schedule

Account	Dividend Rate	APY	Minimum to Open	Minimum to Earn APY
Business Savings	0.25%	0.25%	$25	$25
Commercial Checking	0.10%	0.10%	$100	$15

APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees May reduce earnings on the account. Membership eligibility requirements must be met.

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Business Money Market Account
Effective 7/1/2023

Balance	Interest Rate	APY	Minimum Balance to Earn APY
$0.01-$2,499.99	0.15%	0.15%	$25
$2,500 - $4,999.99	0.50%	0.50%	$2,500
$5,000 - $9,999.99	0.85%	0.85%	$5,000
$10,000 - $24,999.99	1.00%	1.00%	$10,000
$25,000 - $49,999.99	1.14%	1.15%	$25,000
$50,000 - $249,999.99	1.49%	1.50%	$50,000
$250,000 and above	1.69%	1.70%	$250,000

APY- Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on daily balance of account. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.

CD Rates

Business Certificates of Deposit
Effective 9/18/2023

Product	Term	Interest Rate	APY	Minimum Amount to Open	Minimum to Earn
5 Year CD	5 years	2.81%	2.85%	$500	$500
4 Year CD	4 Years	2.81%	2.85%	$500	$500
3 Year CD	3 Years	2.81%	2.85%	$500	$500
2 1/2 Year CD	2.5 years	2.81%	2.85%	$500	$500
2 Year CD	2 years	3.05%	3.10%	$500	$500
1 1/2 Year CD	18 months	3.44%	3.50%	$500	$500
1 Year CD	12 months	3.68%	3.75%	$500	$500
6 Month CD	6 months	3.20%	3.25%	$500	$500
91 Day CD	91 Days	1.98%	2.00%	$500	$500
5 Month CD Special	5 months	4.88%	5.00%	$500	$500
8 Month CD Special	8 months	4.88%	5.00%	$500	$500
11 Month CD Special	11 Months	4.88%	5.00%	$500	$500

APY= Annual Percentage Yield
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit, Membership eligibility requirements must be met.

SEP (Simplified Employee Pension) IRA Certificates
Effective 9/18/2023

Product	Term	Interest Rate	APY	Minimum Amount to Open	Minimum to Earn
5 Year IRA CD	5 Years	2.81%	2.85%	$500	$500
4 Year IRA CD	4 Years	2.81%	2.85%	$500	$500
3 Year IRA CD	3 Years	2.81%	2.85%	$500	$500
2.5 Year IRA CD	2.5 Years	2.81%	2.85%	$500	$500
2 Year IRA CD	2 Years	3.05%	3.10%	$500	$500
1.5 Year IRA CD	1.5 Years	3.44%	3.50%	$500	$500
1 Year IRA CD	12 Months	3.68%	3.75%	$500	$500
6 Month IRA CD	6 Months	3.20%	3.25%	$500	$500
91 Day IRA CD	91 Days	1.98%	2.00%	$500	$500
Variable IRA	-	0.25%	0.25%	$25	$25
5 Month IRA CD Special	5 months	4.88%	5.00%	$500	$500
8 Month IRA CD Special	8 Months	4.88%	5.00%	$500	$500
11 Month IRA CD Special	11 months	4.88%	5.00%	$500	$500

APY= Annual Percentage Yield

Minimum balance to open CD accounts and earn APY is $500. Minimum balance to open Variable IRA and earn APY is $25.
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Membership eligibility requirements must be met.

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Tiered IRA Savings

Balance	Interest Rate	APY	Minimum Balance to Earn APY
$0.01-$2,499.99	0.25%	0.25%	$25
$2,500-$9,999.99	0.85%	0.85%	$2,500
$10,000-$24,999.99	1.00%	1.00%	$10,000
$25,000-$49,999.99	1.14%	1.15%	$25,000
$50,000-$99,999.99	1.34%	1.35%	$50,000
$100,000-$249,999.99	1.49%	1.50%	$100,000
$250,000 and above	1.69%	1.70%	$250,000

*Rates effective 4/1/2023
APY= Annual Percentage Yield

Rates are variable and may change after the account is opened. Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account. IRA transactions are subject to IRA rules and regulations. Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.