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CONSUMER DEPOSIT PRODUCTS

Passbook and Statement Savings
Effective Date: 04/20/2020
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.01% 0.01% $10.00
$2,500 to less than $25,000 0.01% 0.01% $10.00
$25,000 to less than $50,000 0.01% 0.01% $10.00
$50,000 to less than $100,000 0.01% 0.01% $10.00
$100,000 to less than $250,000 0.01% 0.01% $10.00
$250,000 and over 0.01% 0.01% $10.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

IRA and ESA Savings
Effective Date: 04/20/2020
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.01% 0.01% $250.00
$2,500 to less than $25,000 0.01% 0.01% $250.00
$25,000 to less than $50,000 0.01% 0.01% $250.00
$50,000 to less than $100,000 0.01% 0.01% $250.00
$100,000 to less than $250,000 0.01% 0.01% $250.00
$250,000 and over 0.01% 0.01% $250.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

Checking
Effective Date: 06/01/2018
TermDividend RateAPY*Minimum Opening Balance
Share Draft 0.01% 0.01% $25.00
*APY - Annual Percentage Yield. All rates are subject to change without prior notice. Minimum to earn disclosed APY - $1,500

Money Market
Effective Date: 04/20/2020
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.00% 0.00% $2,500.00
$2,500 to less than $25,000 0.01% 0.01% $2,500.00
$25,000 to less than $50,000 0.01% 0.01% $2,500.00
$50,000 to less than $100,000 0.01% 0.01% $2,500.00
$100,000 to less than $250,000 0.01% 0.01% $2,500.00
$250,000 and over 0.01% 0.01% $2,500.00
*APY - Annual Percentage Yield; **Minimum to earn disclosed APY - $2,500; All rates are subject to change without prior notice.

Club and Goal Accounts
Effective Date: 04/20/2020
TermDividend RateAPY*Minimum Opening Balance
Holiday and Vacation Clubs 0.01% 0.01% $10.00
Goal Accounts 0.01% 0.01% $5.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

Saving Accounts
Effective Date: 07/01/2016
TermDividend RateAPY*Minimum Opening Balance
Savings Accounts 0.05% 0.05% $10.00
Money Market** 0.05% 0.05% $2,500.00
IRA/ESA 0.05% 0.05% $250.00
Checking*** 0.01% 0.01% $25.00
Vacation & Holiday Clubs 0.05% 0.05% $10.00
Goal Account 0.05% 0.05% $5.00
*APY - Annual Percentage Yield; **Minimum to earn disclosed APY - $2,500;
***Minimum to earn disclosed APY - $1,500. All rates are subject to change without prior notice.

Term Share/IRA/ESA Accounts

IRA Includes Traditional, Roth, SEP and SIMPLE IRA's

Term Share Account: $500 - $49,999
Effective Date: 12/01/2020
TermDividend RateAPY*
5 years 0.45% 0.45%
4 years 0.35% 0.35%
3 years 0.35% 0.35%
30 months 0.35% 0.35%
2 years 0.35% 0.35%
18 months 0.15% 0.15%
1 year 0.15% 0.15%
9 months 0.05% 0.05%
6 months 0.05% 0.05%
3 months 0.03% 0.03%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.

Term Share Account: $50,000 - $89,999
Effective Date: 12/01/2020
TermDividend RateAPY*
5 years 0.45% 0.45%
4 years 0.35% 0.35%
3 years 0.35% 0.35%
30 months 0.35% 0.35%
2 years 0.35% 0.35%
18 months 0.15% 0.15%
1 year 0.15% 0.15%
9 months 0.05% 0.05%
6 months 0.05% 0.05%
3 months 0.03% 0.03%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $90,000 and over
Effective Date: 12/01/2020
TermDividend RateAPY*
5 years 0.45% 0.45%
4 years 0.35% 0.35%
3 years 0.35% 0.35%
30 months 0.35% 0.35%
2 years 0.35% 0.35%
18 months 0.15% 0.15%
1 year 0.15% 0.15%
9 months 0.05% 0.05%
6 months 0.05% 0.05%
3 months 0.03% 0.03%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Business Deposit Products

Business Share Accounts
Effective Date: 04/20/2020
Share TypeDividend RateAPY*Minimum Opening Balance
Business Savings Accounts 0.01% 0.01% $10.00
Standard Business Checking 0.01% 0.01% $100.00
Plus Business Checking 0.01% 0.01% $100.00
Business Checking for Non-Profits 0.01% 0.01% $100.00
Business Money Market ($2,500-$9,999) 0.01% 0.01% $2,500.00
Business Money Market ($10,000-$24,999) 0.01% 0.01% $10,000.00
Business Money Market ($25,000 and Over) 0.01% 0.01% $25,000.00
*APY - Annual Percentage Yield. All rates are subject to change without prior notice.

Business Term Share Accounts

Term Share Account: $500 - $49,999
Effective Date: 12/01/2020
TermDividend RateAPY*
6 months 0.05% 0.05%
9 months 0.05% 0.05%
1 year 0.15% 0.15%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $50,000 - $89,999
Effective Date: 12/01/2020
TermDividend RateAPY*
6 months 0.05% 0.05%
9 months 0.05% 0.05%
1 year 0.15% 0.15%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $90,000 and over
Effective Date: 12/01/2020
TermDividend RateAPY*
6 months 0.05% 0.05%
9 months 0.05% 0.05%
1 year 0.15% 0.15%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

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