Deposit Rates

Rates effective as of October 01, 2025

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%
13 Months	$500.00	4.05%**
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.

**APY is Annual Percentage Yield. The minimum opening deposit required to earn this APY is $500, with a maximum of $250,000. The APY assumes that all dividends remain on deposit until maturity. Promotion is subject to change at any time. A 13-month certificate automatically renews to a 3-month term at maturity. There are no early withdrawal penalties. An Arize FCU membership is required. New money only. Other restrictions may apply. Fees may reduce earnings. Offer may terminate at any time without prior notice. Federally insured by NCUA.