Banking Services

Effective as of 01/12/2024

Term	Minimum	Interest Rate	APY
6 Month Special	$1,000 Regular/IRA	4.876	4.75***
2 Year Special	$1,000 Regular/IRA	4.160	3.14***
91 Day Money Market Cert	$25,000	1.978	2.00
6 Month	$1,000 Regular/IRA	4.876	5.00***
1 Year	$1,000 Regular/IRA	1.978	2.00
1 YR Youth ED	$500	1.978	2.00

Easy Save (1 YR Term)	$250	0.248	0.25
18 Month	$1,000 Regular/IRA	1.978	2.00
2 Year	$1,000 Regular/IRA	4.160	4.25***
3 Year	$1,000 Regular/IRA	3.196	3.25
4 Year	$1,000 Regular/IRA	3.196	3.25
5 Year	$1,000 Regular/IRA	3.438	3.50

$25,000	3.919	2.00
Money Market
(0 – $4,999.99)	1.978	2.00
($5,000 – $14,999.99)	1.978	2.00
($15,000 – $24,999.99)	1.978	2.00
($25,000 – $49,999.99)	2.466	2.50
($50,000.00 – $99,999.99)	2.953	3.00
($100,000 & Up)	3.919	4.00

(0 – $4,999.99)	0.02	0.02
($5,000 – $14,999.99)	0.05	0.05
($15,000 – $24,999.99)	0.05	0.05
($25,000 – $49,999.99)	0.07	0.07
($50,000.00 – $99,999.99)	0.07	0.07
($100,000 & Up)	0.10	0.10

(0 – $24,999.99)	0.05	0.05
($25,000 – $99,999)	0.07	0.07
($100,000 & Up)	0.10	0.10

Superior, Premium	0.05	0.05
Military Checking	0.05	0.05

(0 – $9,999.99)	0.05	0.05
($10,000 – $24,999.99)	0.05	0.05
($25,000 – $49,999.99)	0.10	0.10
($50,000 – $99,999.99)	0.15	0.15
($100,000 & Up)	0.20	0.20

0.20

(0 – $9,999.99)	0.05	0.05
($10,000 – $24,999.99)	0.05	0.05
($25,000 – $49,999.99)	0.10	0.10
($50,000 – $99,999.99)	0.15	0.15
($100,000 & Up)	0.20	0.20

Type	Term	APR*
Credit Builder	12 Months	variable*
Anything	Up to 60 Months	variable*

Term	APR*
Up to 48 months	6.24%
49 – 60 months	6.49%
61 – 72 months	6.99%
73 – 84 months	7.49%

Term	APR*
Up to 60 months	8.74%
61 – 120 months	9.24%
121 – 180 months	9.74%

Term	APR*
Up to 48 months	8.24%
49 – 60 months	8.49%
61 – 72 months	8.99%
73 – 84 months	9.49%

Details: *Annual Percentage Rate. Rates as of March 1st, 2024 and subject to change without notice. Must qualify. Terms for secured loans based upon collateral’s age, mileage, and condition at loan officer’s discretion. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 8.74% annual percentage rate would yield a $412.77 per month payment or approximately $20.64 per $1,000 borrowed.

Credit Builder Loan Details: Rates as of March 1st, 2024 and subject to change without notice. Must qualify. Loan example $1,500 for 12 months at 12.24% annual percentage rate would yield a $133.49 per month payment or approximately $88.99 per $1,000 borrowed. Member must display that they have sufficient income to repay the debt. Loan may be granted for up to $1,500 at terms not to exceed 12 months. Proceeds of the loan will be deposited into the member’s savings account and pledged as security for this loan. All pledge funds must remain in the account until the loan is paid in full. The interest rate will be based upon the members credit score.