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.

Dividends are calculated by the Daily Balance Method, compounded daily and credited quarterly. If you close your share accounts before the dividends are paid, you will not earn the dividends.