Deposit Rates

Table data for Nest^{TM Rates Effective 5/1/23}
	Initial Deposit Amount	Balance Amount	Rate	APY
Nest^TM Account¹	$1.00 - $1,000.00	$1.00 or >	2.960%	3.00%

APY = Annual Percentage Yield
¹Membership eligibility required. Limited to one Nest^TM share per membership account. To be eligible, all co-owners must be listed at the account level. Minimum deposit of $1 required to open and maintain account. Deposits may be made only by ways specified. Withdrawals are limited to one per month. If you withdraw more than once per month the account is closed and balance dispersed by check or into another share. You will not be able to reopen the account for twelve months. At our discretion we may change interest rates and APY for this account. Dividends are compounded monthly for Nest accounts.↵

Table data for Checking
Rates Effective 7/1/2023
	Balance Amount	Rate	APY¹
High Rewards Checking	up to $25,000.00	3.928%	4.00%²

High Rewards Checking	$25,000.01 or >	0.095%	0.10%³

Simply Checking	n/a	0.00%	0.00%

Membership eligibility and $5 minimum balance required to maintain base savings account. SPLIT RATE: Our High Rewards Checking account is paid dividends based on a split rate tier structure and the account's average daily balance for the month. These two calculations are combined to provide an APYE (Annual Percentage Yield Earned) for your monthly dividend. This combined APYE is shown on your statement as a split rate. If requirements for High Rewards Checking are not met for the dividend period, it will become a non-dividend bearing account. Dividends on checking accounts are variable and are subject to change after the account is opened. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding. Fees can reduce earnings on accounts.
¹APY = Annual Percentage Yield↵ ²Rate and Annual Percentage Yield (APY) paid provided the qualifications are met; otherwise you do not earn dividends that month. The rate is only paid on balances up to $25,000. A lower rate will be paid on balances over $25,000. See High Rewards Checking for details.↵ ³Rate and Annual Percentage Yield (APY) paid on all balances in excess of $25,000 provided the qualifications are met. See High Rewards Checking for details.↵

Table data for Savings
Rates Effective 10/1/2023
	Minimum Balance	Rate	APY
Membership (Base) / Custodial / Special	$100.00	0.349%	0.35%

	$25,000.00	0.648%	0.65%

	$100,000.00	0.996%	1.00%

Youth¹	$5.00 - $1,000.00	1.490%	1.50%

	$1,000.01	0.499%	0.50%

	$25,000.00	0.648%	0.65%

	$100,000.00	0.996%	1.00%

Young Adult²	$5.00 - $1,000.00	2.960%	3.00%

	$1,000.01	0.499%	0.50%

	$25,000.00	0.648%	0.65%

	$100,000.00	0.996%	1.00%

Money Market³	$2,500.00	0.996%	1.00%

	$10,000.01	1.144%	1.15%

	$25,000.01	1.391%	1.40%

	$50,000.01	1.736%	1.75%

	$100,000.01	1.982%	2.00%

	$250,000.01	1.982%	2.00%

	$500,000.01	1.982%	2.00%

IRA Savings	$100.00	0.349%	0.35%

	$25,000.00	0.648%	0.65%

	$100,000.00	0.996%	1.00%

APY = Annual Percentage Yield. Membership eligibility required. A $5 minimum balance is required to maintain a membership (base) savings account, custodial savings account, or youth savings account. A $100 minimum balance is required to earn dividends on a base savings account. Fees can reduce earnings on accounts. Dividends on savings, IRA savings, money market accounts, and checking accounts are variable and are subject to change after the account is opened. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.
¹Youth savings accounts are available to members through age 17 and are limited to one account per person. Balances over $1,000 earn at a lower rate.↵ ²Young Adult savings accounts are available to members 18 through age 22 and are limited to one account per person. Balances over $1,000 earn at a lower rate.↵ ³If the average daily balance falls below $2,500 for the dividend period, it will become a non-dividend bearing account. You must maintain the minimum daily balance amount of $2,500 in your account to avoid a fee as stated in our Fee Schedule.↵

Table data for Certificates / CD
Rates Effective 10/18/2024
Term	Minimum Balance	Rate	APY	Early Withdrawal Penalty
6 Months¹	$1,000	3.924%	4.00%	90 Days Dividends

	$100,000	3.934%	4.01%	90 Days Dividends

	$250,000	3.934%	4.01%	90 Days Dividends

12 Months¹	$1,000	3.489%	3.55%	90 Days Dividends

	$100,000	3.499%	3.56%	90 Days Dividends

	$250,000	3.499%	3.56%	90 Days Dividends

18 Months¹	$1,000	3.344%	3.40%	90 Days Dividends

	$100,000	3.353%	3.41%	90 Days Dividends

	$250,000	3.353%	3.41%	90 Days Dividends

24 Months¹	$1,000	3.295%	3.35%	180 Days Dividends

	$100,000	3.305%	3.36%	180 Days Dividends

	$250,000	3.305%	3.36%	180 Days Dividends

36 Months¹	$1,000	3.247%	3.30%	270 Days Dividends

	$100,000	3.256%	3.31%	270 Days Dividends

	$250,000	3.256%	3.31%	270 Days Dividends

48 Months¹	$1,000	3.198%	3.25%	360 Days Dividends

	$100,000	3.208%	3.26%	360 Days Dividends

	$250,000	3.208%	3.26%	360 Days Dividends

60 Months¹	$1,000	3.150%	3.20%	450 Days Dividends

	$100,000	3.159%	3.21%	450 Days Dividends

	$250,000	3.159%	3.21%	450 Days Dividends

33 Month Bump Rate Certificate²	$1,000	3.004%	3.05%	270 Days Dividends

	$100,000	3.014%	3.06%	270 Days Dividends

	$250,000	3.014%	3.06%	270 Days Dividends

55 Month Bump Rate Certificate²	$1,000	2.907%	2.95%	450 Days Dividends

	$100,000	2.917%	2.96%	450 Days Dividends

	$250,000	2.917%	2.96%	450 Days Dividends

APY = Annual Percentage Yield. Rates and APY are subject to change without notice.
¹The minimum opening deposit amount for all certificates starts at $1,000.00.↵ ²IRAs are not eligible for Bump Rate Certificates. Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.↵

Table data for IRA Certificates
Rates Effective 10/18/2024
Term	Minimum Balance	Rate	APY	Early Withdrawal Penalty
6 Months	$1,000	3.924%	4.00%	90 Days Dividends

	$100,000	3.934%	4.01%	90 Days Dividends

	$250,000	3.934%	4.01%	90 Days Dividends

12 Months	$1,000	3.489%	3.55%	90 Days Dividends

	$100,000	3.499%	3.56%	90 Days Dividends

	$250,000	3.499%	3.56%	90 Days Dividends

18 Months	$1,000	3.344%	3.40%	90 Days Dividends

	$100,000	3.353%	3.41%	90 Days Dividends

	$250,000	3.353%	3.41%	90 Days Dividends

24 Months	$1,000	3.295%	3.35%	180 Days Dividends

	$100,000	3.305%	3.36%	180 Days Dividends

	$250,000	3.305%	3.36%	180 Days Dividends

36 Months	$1,000	3.247%	3.30%	270 Days Dividends

	$100,000	3.256%	3.31%	270 Days Dividends

	$250,000	3.256%	3.31%	270 Days Dividends

48 Months	$1,000	3.198%	3.25%	360 Days Dividends

	$100,000	3.208%	3.26%	360 Days Dividends

	$250,000	3.208%	3.26%	360 Days Dividends

60 Months	$1,000	3.150%	3.20%	450 Days Dividends

	$100,000	3.159%	3.21%	450 Days Dividends

	$250,000	3.159%	3.21%	450 Days Dividends

APY = Annual Percentage Yield. Rates and APY are subject to change without notice. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding. The minimum opening deposit amount for all IRA certificates starts at $1,000.00.

Important Notice - IE 11 Degradation of Service

Deposit Rates