Share & Certificate Rates
Share Rates Effective 3/01/2024; Share Certificate Rates Effective 2/28/2024. Dividends paid monthly unless noted.

Share & Certificate Rates

Description	Rate	APY	Minimum Balance

Share Savings Accounts
Share Savings – Tier I	0.250%	0.25%	$5.00⁽¹⁾
Share Savings – Tier II	0.300%	0.30%	$10,000.00
Share Savings – Tier III	0.350%	0.35%	$25,000.00
Share Savings – Tier IV	0.450%	0.45%	$50,000.00
Share Savings – Tier V	0.550%	0.55%	$100,000.00
Money Market Savings Accounts
Money Market Savings – Tier I	0.350%	0.35%	$100.00⁽²⁾
Money Market Savings – Tier II	0.450%	0.45%	$2,500.00⁽³⁾
Money Market Savings – Tier III	0.550%	0.55%	$10,000.00³⁾
Money Market Savings – Tier IV	0.850%	0.85%	$25,000.00⁽³⁾
Money Market Savings – Tier V	1.000%	1.02%	$100,000.00⁽³⁾
Special Share Savings Accounts
Christmas Club Savings	0.75%	0.75%	$5.00⁽⁴⁾
On-Track Savings	0.35%	0.351%	$5.00⁽⁴⁾
Share Spending Accounts (Checking)
Classic Spending Account	0.00%	0.000%	NA
Interest Plus Spending Account	0.15%	0.150%	$100.00⁽⁵⁾
Golden Spike Spending Account	0.15%	0.150%	$100.00⁽⁵⁾
Share Certificates
6-Month Share Certificate – Tier I	4.550%	4.65%	$1,000.00⁽⁶⁾
6-Month Share Certificate – Tier II	5.175%	5.30%	$10,000.00⁽⁶⁾
6-Month Share Certificate – SPECIAL	5.361%	5.50%	$95,000.00⁽⁶⁾
12-Month Share Certificate – Tier I	4.650%	4.75%	$1,000.00⁽⁷⁾
12-Month Share Certificate – Tier II	4.937%	5.05%	$10,000.00⁽⁷⁾
12-Month Share Certificate – SPECIAL	5.175%	5.30%	$95,000.00⁽⁷⁾
18-Month Share Certificate – Tier I	3.950%	4.02%	$1,000.00⁽⁸⁾
18-Month Share Certificate – Tier II	4.458%	4.55%	$10,000.00⁽⁸⁾
18-Month Share Certificate – SPECIAL	4.650%	4.75%	$95,000.00⁽⁸⁾
36-Month Share Certificate – SPECIAL	3.735%	3.80%	$95,000.00⁽⁸⁾

* APR is Annual Percentage Rate. Actual Rate will vary based on your creditworthiness and Loan-to-Value. Home Equity Line of Credit (HELOC) is a variable interest loan product in which the rate may be adjusted on a quarterly basis based on the Prime Interest Rate plus a margin based on your program. Maximum interest rate is 18.00% APR. All loans are subject to approval.

² Members may LOCK in a portion of their balance at a fixed rate for the life of the loan based on a fee of 1% of the outstanding balance. Your credit line may be adjusted based on the portion you lock-in at fixed rate.

Interest rates are subject to change and may change after the account is opened. Fees may reduce earnings.

Notes:

(1) Members must have an average monthly balance of at least $100.00 to earn dividends.

(2) Members with an average MMS balance under $2,500.00 will be assessed a $25.00 monthly fee.

(3) After 3 monthly withdrawals, a fee of $10.00 will be charged per transaction.

(4) Dividends are paid quarterly.

(5) A $10.00 monthly fee will be assessed if the average monthly balance is $100.00 or less.

(6) Early certificate closure will be assessed a 90-day interest penalty fee.

(7) Early certificate closure will be assessed a 120-day interest penalty fee.

8) Early certificate closure will be assessed a 180-day interest penalty fee.