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Personal Rates

Rates Effective October 30, 2025

Personal Checking Accounts

TYPE OF ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD	AMOUNT OF TIME INTEREST RATE IN EFFECT	MINIMUM OPENING DEPOSIT REQUIRED	MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
Regular Checking	N/A	N/A	N/A	$100.00	N/A
Economy Checking	N/A	N/A	N/A	$100.00	N/A
NOW Checking	0.04%	0.05%	Variable	$100.00	$1,500
Premium NOW Checking	Tiered Rate Account
$25,000.00 - $49,999.99	0.04%	0.05%	Variable	$25,000.00	$25,000.00
$50,000.00 - $149,999.99	0.09%	0.10%	Variable		$50,000.00
$150,000.00 And Up	0.14%	0.15%	Variable		$150,000.00

TYPE OF ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD	AMOUNT OF TIME INTEREST RATE IN EFFECT	MINIMUM OPENING DEPOSIT REQUIRED	MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
Money Market	Tiered Rate Account
$2,500.00 - $24,999.99	0.49%	0.50%	Variable	$2,500.00	$2,500.00
$25,000.00 - $49,999.99	1.98%	2.00%	Variable		$25,000.00
$50,000.00 - $249,999.99	2.72%	2.75%	Variable		$50,000.00
250,000.00 And Up	3.20%	3.25%	Variable		$250,000.00

TYPE OF ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD	AMOUNT OF TIME INTEREST RATE IN EFFECT	MINIMUM OPENING DEPOSIT REQUIRED	MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
Statement Savings*	0.04%	0.05%	Variable	$100.00	$200.00
High Yield Statement Savings	Tiered Rate Account
$1,000.00 - $9,999.99	0.04%	0.05%	Variable	$1,000.00	$1,000.00
$10,000.00 And Up	2.72%	2.75%	Variable		$10,000.00

Variable Rate Accounts –
Interest rates are subject to change without notice. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. The interest rate on your account may change after the account is opened.
Tiered Rate Minimum Daily Balance to earn Annual Percentage Yield – You must maintain the minimum balance shown above in your account each day for each tier, to earn the annual percentage yield disclosed for that Tier on the entire balance.
Effect of Fees – Fees may reduce earnings. See the Deposit Account Disclosure for more information.

TYPE OF ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD	AMOUNT OF TIME INTEREST RATE IN EFFECT	MINIMUM OPENING DEPOSIT REQUIRED	MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
12 Month	3.20%	3.25%	Until Maturity	$500.00	$500.00
15 Month*	2.72%	2.75%	Until Maturity	$500.00	$500.00
18 Month	0.29%	0.30%	Until Maturity	$500.00	$500.00
Bump Up 20 Month CD**	2.47%	2.50%	Until Maturity1	$500.00	$500.00
24 Month	0.34%	0.35%	Until Maturity	$500.00	$500.00
36 Month	0.49%	0.50%	Until Maturity	$500.00	$500.00
60 Month	0.59%	0.60%	Until Maturity	$2,500.00	$2,500.00

Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. 1 At your discretion, once during the initial term, you may choose to increase the interest rate to the interest rate we are then paying on new 20 Month “Bump-Up” CD’s. See the Deposit Account Disclosure for more information.
Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.
Early Withdrawal Penalties – Substantial penalty for early withdrawal.
Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period. * The 15 Month CD will be renewed at maturity into a 12 Month CD at an Interest rate we are then paying on similar CD’s with that term. ** the 20 Month Bump-Up CD will be renewed at maturity into a 24 Month CD at an Interest rate we are then paying on similar CD’s with that term. Please refer to the Deposit Account disclosure for more details or inquire with a customer service representative.

TYPE OF ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD	AMOUNT OF TIME INTEREST RATE IN EFFECT	MINIMUM OPENING DEPOSIT REQUIRED	MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
12 Month	3.20%	3.25%	Until Maturity	$500.00	$500.00
15 Month*	2.72%	2.75%	Until Maturity	$500.00	$500.00
18 Month	0.29%	0.30%	Until Maturity	$500.00	$500.00
Bump Up 20 Month CD**	2.47%	2.50%	Until Maturity1	$500.00	$500.00
24 Month	0.34%	0.35%	Until Maturity	$500.00	$500.00
36 Month	0.49%	0.50%	Until Maturity	$500.00	$500.00
60 Month	0.59%	0.60%	Until Maturity	$2,500.00	$2,500.00

Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. 1 At your discretion, once during the initial term, you may choose to increase the interest rate to the interest rate we are then paying on new 20 Month “Bump-Up” CD’s. See the Deposit Account Disclosure for more information.
Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.
Early Withdrawal Penalties – Substantial penalty may apply for early withdrawal. Check your plan disclosure if the account is part of an IRA or other tax qualified plan.
Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period. * The 15 Month CD will be renewed at maturity into a 12 Month CD at an Interest rate we are then paying on similar CD’s with that term. ** the 20 Month Bump-Up CD will be renewed at maturity into a 24 Month CD at an Interest rate we are then paying on similar CD’s with that term. Please refer to the Deposit Account disclosure for more details or inquire with a customer service representative.