Deposit Rates

Rates effective as of January 01, 2026

Checking Accounts

Account	Minimum Required Opening Deposit	Daily Balance Required	APY*
Essential Checking	$0.00	$100 – $4,999.99	0.30%
		$5,000.00 and over	0.30%

Savings / Holiday & Vacation Club Accounts

Daily Balance Required	Minimum Required Opening Deposit	APY*
$100.00 – $9,999.99	$5.00	0.30%
$10,000.00 – $24,999.99	$5.00	0.30%
$25,000.00 and over	$5.00	0.30%

Savings Account for Kids

Daily Balance Required	Minimum Required Opening Deposit	APY*
$5.00 – $9,999.99	$5.00	0.30%
$10,000.00 – $24,999.99	$5.00	0.30%
$25,000.00 and over	$5.00	0.30%

Term Share Certificates and IRAs

Term	Minimum Required Opening Deposit	APY*
3 Months	$1,000.00	0.30%
6 Months	$1,000.00	0.30%
12 Months	$500.00	0.35%
24 Months	$500.00	0.45%
36 Months	$500.00	0.50%
48 Months	$500.00	0.65%
60 Months	$500.00	0.70%

*APY=Annual Percentage Yield. Rates may change after the account is opened. There is no early withdrawal penalty imposed on term share certificates. Fees may reduce earnings on accounts.