Rates

DEPOSIT ACCOUNT RATES AS OF February 2, 2023. SUBJECT TO CHANGE AT ANY TIME.

Checking and Savings Accounts ¹
Account Type	Minimum Balance to Open	Minimum Balance to Earn APY²	Interest Rate	APY	Interest Paid
Free Checking	$100	N/A	0.00%	0.00%	N/A
Passbook Savings	$100	$100	0.25%	0.25%	Quarterly
Personal Money Market	$200	$200 - $2,499.99 $2,500.00 and over	0.25% 0.75%	0.25% 0.75%	Monthly Monthly

Certificates of Deposit ^{3 4}
Account Type	Minimum Balance to Open	Minimum Balance to Earn APY²	Interest Rate	APY	Interest Paid
6 Month Certificate	$1,000	$1,000	0.65%	0.65%	At maturity
9 Month Certificate - *Special Rate*	$1,000	$1,000	3.50%	3.53%	At maturity
1 Year Certificate	$500	$500	0.65%	0.65%	Quarterly
2 Year Certificate	$500	$500	0.65%	0.65%	Quarterly
3 Year Certificate	$500	$500	0.65%	0.65%	Quarterly
5 Year Certificate	$500	$500	0.65%	0.65%	Quarterly

¹ Interest rate and APY may vary after the account is opened and fees may reduce earnings.
² APY refers to Annual Percentage Yield.
3 There is a penalty for early withdrawal of funds from CDs.

⁴Maximum deposit amount: $249,000.

A copy of the Terms and Conditions is available upon request.