Savings

(For variable rate accounts the rate may change after the account is opened)

Type	Minimum Balance	Dividend Rate	APY
Regular Shares Savings Account*	$0 - $499 $500 - $2,499 $2,500 - $4,999 $5,000 and over	0.000% 0.100% 0.100% 0.100%	0.000% 0.100% 0.100% 0.100%
Money Market Plus Account**	$2,500 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 and over	0.300% 0.449% 0.698% 0.946%	0.300% 0.450% 0.700% 0.950%
Vacation Contractor Account	$0 - $499 $500 - $2,499 $2,500 - $4,999 $5,000 and over	0.000% 0.050% 0.050% 0.050%	0.000% 0.050% 0.050% 0.050%
Kids Plus Account	$5.00 - $999 $1,000 and over	0.250% 0.499%	0.250% 0.500%
Holiday Club	N/A	0.349%	0.350%

Rates and Fees are subject to change. Fees could reduce earnings.
APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

*Limited to five (5) free withdrawals per month (see current fee schedule).

**If your account drops below the minimum balance of $2,500 at any time during the month a $7.50 fee will be imposed. fee schedule).

***Limited to one (1) free withdrawal per month (see current fee schedule).

Type	Minimum Balance	Dividend Rate	APY
Member Checking	$0 - $999.99 $1,000	0.000% 0.050%	0.000% 0.050%
Essentials Checking	$0.00	0.000%	0.000%

Minimum Balance	Dividend Rate	APY
$100 - $9,999	0.499%	0.500%
$10,000 - $24,999	0.797%	0.800%
$25,000 - $49,999	1.144%	1.150%
$50,000 and over	1.440%	1.450%

Rates and Fees are subject to change. Fees could reduce earnings.
APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

Traditional IRA
With a Traditional IRA, contributions are pre-taxed and you may contribute up to $4,000 per year*. There is no withdrawal penalty for first-time home buyers* (up to $10,000 lifetime) and you can even make withdrawals for college*.

Roth IRA
A Roth IRA allows after-tax contributions* as long as you have a combined income of under $150,000 ($95,000 for individual filers). You may contribute up to $4,000 per year*. There is no withdrawal penalty for first-time home buyers* (up to $10,000 lifetime). Best of all, you have the potential for tax-free investment earnings.**

Educational IRA
An Educational IRA can help you save for your children's or grandchildren's college education without paying taxes on the earnings. You can make annual, non-deductible contributions of up to $2,000 per child for any child under the age of 18. An Education IRA allows for after-tax contributions. Contributions are transferable to a beneficiary in the same family.

* Subject to limitations ** Please consult you tax advisor for detailed advisor for detailed information.

CLICK HERE for Certificate & IRA Rates
CLICK HERE for Loan Rates

Your deposits are insured by