Savings Rates

Rates effective as of January 1, 2020

Account Type	Dividend	APY
$250 Minimum Balance Term: Daily $250 Minimum Balance Rates Set: Quarterly	0.05%	0.05%
$2,000.01 Minimum Balance Term: Daily $2,000.01 Minimum Balance Rates Set: Quarterly	0.10%	0.10%
$10,000.01 Minimum Balance Term: Daily $10,000.01 Minimum Balance Rates Set: Quarterly	0.15%	0.15%
Other Club Accounts (Vacation, Christmas, Tax) Term: Daily $250 Minimum Balance Rates Set: Quarterly An $10 fee will be imposed for early withdrawal, which will reduce the earnings on the account.	0.20%	0.20%

Certificate Type	Dividend	APY
1 Year $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.49%	1.50%
2 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.24%	1.25%
3 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.44%	1.45%
5 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.44%	1.45%

Starter Certificate

Certificate Type	Dividend	APY
1 Year Add-On $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds throughout the certificate term. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.73%	1.74%

Young Saver's Certificates

Certificate Type	Dividend	APY
1 Year Add-On $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $1,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.73%	1.74%
3 Years Add-On $1 Minimum Balance $3,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $3,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	2.72%	2.75%

IRA Savings

Account Type	Dividend	APY
IRA Savings (1.41% APY w/ Rewards) Terms: Daily Rates Set: Quarterly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Relationship Rewards Members earn more.	1.24%	1.25%

IRA Certificates

Certificate Type	Dividend	APY
1 Year Traditional, Roth & Coverdell Education $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	1.59%	1.60%
1 Year Starter Add-On Traditional, Roth & Coverdell Education $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $1,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	1.73%	1.74%
2 Years Traditional, Roth & Coverdell Education $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	2.08%	2.10%
5 Years Traditional, Roth & Coverdell Education $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	2.62%	2.65%

Money Market Certificate

Certificate Type	Dividend	APY
26 Week Add-On $5,000 Minimum Deposit Rates Set: Monthly Add any amount at any time throughout the certificate term. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.49%	1.50%

MISCA

Certificate Type	Dividend	APY
2 Years $10,000 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	1.49%	1.50%

Money Market Savings

Account Type	Dividend	APY
Tier 1 $5,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.20%	0.20%
Tier 2 $10,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.25%	0.25%
Tier 3 $25,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.45%	0.45%
Tier 4 $50,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.45%	0.45%
Tier 5 $75,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.45%	0.45%
Tier 6 $100,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	0.45%	0.45%

APR: Annual percentage rate; APY: Annual percentage yield

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