Share Deposit Rates

As of September 15, 2024

Savings Rates

Account	Minimum Opening Deposit	Average Daily Balance Required To Earn APY	Annual Percentage Yield*	Dividend Rate
Share Accounts	$5.00	—	0.30%	0.30%
Youth Share Accounts (members up to age 21**)	$5.00	up to $1,000.00*** $1001.00 and over	3.03% 0.30%	3.00% 0.30%
Share Draft Checking		$300.00 and over	0.25%	0.25%
Individual Retirement Accounts	$5.00	—	0.50%	0.50%

*APY is the annual percentage yield. Dividend rates are declared quarterly and paid on the first day of the following calendar quarter. Dividends were compounded daily and were paid at the above rates. Rates may change after the account is opened. APY is accurate as of the above listed date.

**Custodial, and Burial accounts are considered shares so these rates are the same as the Regular Shares.

***For members up to the age of 21, paid on average daily balances up to $1000, for the balance in excess of $1000, regular share rates apply. Little Ivy, Appleseed, and Teen accounts are considered Youth shares, however, existing members must request the switch from 01 to 02 in writing to earn the higher dividend rate.

IRA & Share Certificate Rates

AS OF MAY 7, 2020 IRA AND SHARE CERTIFICATES ARE NOT BEING OFFERED AT THIS TIME.

Account	Minimum Opening Deposit	Minimum Balance	Term(months)	Dividend Rate
12-Month Share Certificate	$500	$500	12	Not Offered
24-Month Share Certificate	$500	$500	24	Not Offered
36-Month Share Certificate	$500	$500	36	Not Offered
60-Month Share Certificate	$500	$500	60	Not Offered

IRA 12-Month Share Certificate	$500	$500	12	Not Offered
IRA 24-Month Share Certificate	$500	$500	24	Not Offered
IRA 36-Month Share Certificate	$500	$500	36	Not Offered
IRA 60-Month Share Certificate	$500	$500	60	Not Offered

Certificate interest is not compounded. There is an early withdrawal penalty of one month’s interest.