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Rates & Fees

Effective as of: October 1, 2025


Accounts	Dividend Rate	APY*	Minimum Opening Deposit

Regular Shares / Savings	0.50	0.500	$25
- Requires $2,000.00 ADB** to earn Dividend

Regular Shares / Savings	0.45	0.450	$25
- Requires $100.00 ADB** to earn Dividend

Share Draft / Checking	0.05	0.050	$0
- Requires $2,000.00 ADB** to earn Dividend

Christmas Club	0.45	0.450	$5

Vacation Club	0.45	0.450	$5

Education Fund	0.50	0.500	$5
- Compounded Quarterly, Paid Quarterly

Loan Payment Shares	0.50	0.500	$0

Loan Escrow Account	0.50	0.500	$5

IRA Shares	0.50	0.500	$0
Dividends compounded monthly, paid monthly
*APY = Annual Percentage Yield
**ADB = Average Daily Balance
Fees could reduce the earnings on an account.

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