Personal/Consumer Rates

Effective Date: November 1, 2023

Prime Rate 8.50% (as published in the Wall Street Journal index)

APY = Annual Percentage Yield
APR = Annual Percentage Rate
LTV = Loan to Value

INTEREST RATES AND TERMS SUBJECT TO CHANGE AT ANY TIME

Personal Accounts Interest Rates

Savings

Account Interest Rate APY
Holiday Club* 5.84% 6.00%
Primary/Secondary** 0.25% 0.25%

Interest Checking****

Balance Interest Rate APY
$0 - $1,999.99 0.00% 0.00%
$2,000 - $24,999.99 0.20% 0.20%
$25,000 + 0.35% 0.35%

Money Market****

Balance Interest Rate APY
$0 - $1,999.99 0.00% 0.00%
$2,000 - $24,999.99 2.00% 2.02%
$25,000 - $74,999.99 2.60% 2.63%
$75,000 - $124,999.99 3.50% 3.56%
$125,000 + 3.80% 3.87%

Certificates of Deposit***

Balance Interest Rate APY
3 Month 2.50% 2.52%
6 Month 3.25% 3.30%
12 Month 3.50% 3.56%
18 Month 3.50% 3.56%
24 Month 3.75% 3.81%
36 Month 4.00% 4.07%
48 Month 4.00% 4.07%
60 Month 4.00% 4.07%

Jumbo Certificate of Deposit*****

Balance Interest Rate APY
3 Month 2.50% 2.52%
6 Month 3.25% 3.30%
12 Month 3.50% 3.56%
18 Month 3.50% 3.56%
24 Month 3.75% 3.81%
36 Month 4.00% 4.07%
48 Month 4.00% 4.07%
60 Month 4.00% 4.07%

*$10 minimum to open this account, monthly deposit maximum of $1,000 per account, no accrued interest will be paid if the account is
closed prior to maturity.
**No minimum to open this account
***$500 minimum to open this account
****$2,000 minimum to open this account
*****$50,000 minimum to open this account
Fees can reduce earnings and a penalty may be imposed for early withdrawal on certificate of deposit