Rates

Rates effective as of January 18, 2022 — Subject to change without notice

Checking & Savings

Checking & Savings	Rate	APY*
Personal Interest Checking	0.03%	0.03%
Christmas Club	0.08%	0.08%
Statement Savings	0.08%	0.08%

* Annual Percentage Yield – Fees could reduce earnings on account.

Money Market

Money Market	Rate	APY*
$0 – $999.99	0.03%	0.03%
$1,000 – $24,999.99	0.08%	0.08%
$25,000.00 – $49,999.99	0.10%	0.10%
$50,000.00 – $149,999.99	0.15%	0.15%
$150,000.00 and over (Premium Money Market)	0.20%	0.20%

* Annual Percentage Yield – Fees could reduce earnings on account.

CD

CDs	TERM	Rate	APY*
$500.00 minimum	91 Days	0.05%	0.05%
	6 months	0.10%	0.10%
	11 months	0.10%	0.10%
	12 months	0.15%	0.15%
	15 months	0.25%	0.25%
	18 months	0.35%	0.35%
	20 months	0.40%	0.40%
	24 months	0.45%	0.45%
	30 months	0.65%	0.65%
	36 months	0.65%	0.65%
	48 months	0.80%	0.80%
	60 months	0.89%	0.89%
$5,000 minimum	10 months	0.10%	0.10%
	13 months	0.20%	0.20%
	27 months	0.55%	0.55%
$15,000 minimum	6 months	0.10%	0.10%
$20,000 minimum	6 months	0.10%	0.10%
$100,000 minimum	90 to 270 days	0.20%	0.20%

* Annual Percentage Yield – Early Withdrawal Penalties – A penalty may be imposed for withdrawals before maturity.

IRA

IRAs	Rate	APY*
ROTH	0.35%	0.35%
Education	0.35%	0.35%
18 months	0.35%	0.35%
24 months	0.50%	0.50%
60 months	0.94%	0.94%

* Annual Percentage Yield – Fees could reduce earnings on account.

Mortgage

Mortgage	Rate	APR*
10 Year Fixed Rate	3.125%	3.34%
15 Year Fixed Rate	3.125%	3.27%
20 Year Fixed Rate	3.625%	3.74%
30 Year Fixed Rate	3.75%	3.83%
3/1 Adjustable – 2/6 Caps**	3.625%	3.71%
5/1 Adjustable – 2/6 Caps**	3.75%	3.83%
7/1 Adjustable – 5/2/5 Caps**	3.875%	3.96%

*Annual Percentage Rate
**Initial fixed rate periods available for 3, 5, or 7 years on a 30-year loan