Interest Rates

Rates Current as of October 1, 2020

Personal Accounts	Rate	APY*
Standard Savings	.15%	.15%
Money Max Savings	.20%	.20%
N.O.W. Checking	.15%	.15%
I.M.M.A. (Insured Money Market Account)	.15%	.15%
Christmas Club Savings	.50%	.50%
Vacation Club Savings	.50%	.50%

Business Accounts	Rates	APY*
Standard Savings	.15%	.15%
Money Max Savings	.20%	.20%
Sweep Savings	.50%	.50%
N.O.W. Checking	.15%	.15%
I.M.M.A. (Insured Money Market Account)	.15%	.15%

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)

I.R.A.	Rate	APY*
6 Month Fixed	0.40%	0.40%
12 Month Fixed	0.60%	0.60%
2 Years Fixed	0.80%	0.80%
3 Years Fixed	1.00%	1.00%
5 Years Fixed	1.00%	1.00%
18 Month Variable	0.75%	0.75%
3 Years Variable	1.00%	1.00%
5 Years Variable	1.00%	1.00%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

CD Terms	Rate	APY*
7 to 31 days	0.10%	0.10%
32 to 59 days	0.10%	0.10%
60 to 89 days	0.10%	0.10%
90 to 179 days	0.20%	0.20%
180 to 364 days	0.20%	0.20%
1 year	0.40%	0.40%
18 months	0.40%	0.40%
2 years	0.45%	0.45%
3 years	0.45%	0.45%
3 years Bump Rate	0.35%	0.35%
4 years	0.45%	0.45%
5 years	0.50%	0.50%
5 years Bump Rate	0.45%	0.45%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*

Early withdrawal penalties apply.

Penalty varies according to term of CD:

• less than 6 months = 14 days of interest
• 6 months up to 18 months = one month’s interest
• 18 months and longer = three months of interest

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)