| Certificate Account Rates |
| Effective Date: Saturday, February 28th, 2026 |
| Term | Min. Deposit | Annual % Yield | Dividend Rate |
3 Month |
$1,000.00 |
2.01 APY |
1.99 |
6 Month |
$2,500.00 |
2.55 APY |
2.53 |
| 10 Month |
$1,000.00 |
4.00 APY |
3.94% |
| 10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate |
12 Month |
$500.00 |
2.65 APY |
2.62% |
18 Month |
$500.00 |
2.70 APY |
2.67 |
24 Month** |
$5,000.00 |
2.75 APY |
2.72 |
| **Your 24 month certificate will not automatically renew if a penalty-free withdrawal taken during the 24 month term has caused the certificate's maturing balance to be less than $5,000. In such case you will have the 10 day grace period to return the balance to the minimum opening balance of $5,000 or the certificate will redeem to your share account. |
36 Month |
$1,000.00 |
2.85 APY |
2.82 |
48 Month*** |
$5,000.00 |
2.95 APY |
2.92 |
| ***A one-time increase (bump-up) of the interest rate is allowed during the certificate term. See 48 month Term Share Certifcate disclosure for specific details. |
| 60 Month |
$500.00 |
3.15 APY |
3.11% |
