Savings Rates

Share/Savings Rates
Effective Date: Friday, November 15th, 2019
	Dividend Rate	APY*
Checking	No Dividend Earned
Millennium Checking
$0 to $499.99	0.00%	0.00%
Subject to $10 monthly fee under $500 balance
$500.00 and Over	0.05%	0.05%
Regular Share/Savings**
$0 to $99.99	0.00%	0.00%
$100.00 and Over	0.05%	0.05%
Youth Share/Savings**
$0.00 to $4.99	0.00%	0.00%
$5.00 and Over	0.05%	0.05%
Life Share/Savings**
$0 to $99.99	0.00%	0.00%
$100.00 and Over	0.05%	0.05%
Money Market Share/Savings***
$0 to $2,499.99	0.00%	0.00%
$2,500.00 to $9,999.99	1.045%	1.05%
$10,000.00 to $49,999.99	1.094%	1.10%
$50,000.00 and Over	1.144%	1.15%
IRA Share/Savings Account ($1 minimum balance to earn dividends)**	0.05%	0.05%
APY = Annual Percentage Yield. Minimum amount to open is $5.00 **Minimum amount to open is $2,500

Certificates of Deposit (CD) and IRA Certificates
Effective Date: Friday, November 15th, 2019
Term	Interest Rate	APY*
6 Month	1.490%	1.50
12 Month	1.736%	1.75
No Penalty 14 Month	1.440%	1.45
NO PENALTY Requires - $2,500 Minimum Deposit
18 Month	1.785%	1.80
24 Month	1.835%	1.85
36 Month	1.982%	2.00
48 Month	2.080%	2.10
60 Month	2.227%	2.25
1 Year Super Saver Certificate	1.193%	1.20
SUPER SAVER - Only a $25.00 minimum deposit! Plus, you can make additional deposits of $25.00 or more!!
*APY = Annual Percentage Yield.
$25.00 penalty for the Super Saver Certificate.
$500.00 minimum deposit for ALL Certificates except where otherwise disclosed; excluding Super Saver & No Penalty CD. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts.Rates and Terms are subject to change at any time.

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