Personal Rates

CD Rates

Period	Minimum	Interest Rate	APY*	Interest Compounded and Credited
3 Month	$1,000	2.48%	2.50%	At Maturity
6 Month	$1,000	4.21%	4.25%	At Maturity
9 Month	$1,000	3.98%	4.00%	At Maturity
12 Month	$1,000	3.72%	3.75%	Semi-Annually
15 Month	$1,000	3.455%	3.50%	Quarterly
18 Month and Build CD	$1,000	3.47%	3.50%	Semi-Annually
24 Month, Bump CD and Build CD	$1,000	3.32%	3.35%	Semi-Annually
30 Month	$1,000	3.22%	3.25%	Semi-Annually
36 Month	$1,000	3.22%	3.25%	Semi-Annually
48 Month and Access CD	$1,000	3.22%	3.25%	Semi-Annually
60 Month and Access CD	$1,000	3.22%	3.25%	Semi-Annually

Checking Accounts - NOW Account, Harvest Club, & Golden Harvest Club

Balance Requirement	Interest Rate	APY*
$0.00 - $24,999.99	.10%	.10%
$25,000.00 - $99,999.99	.10%	.10%
$100,000 and Above	.15%	.15%

Premier Relationship Banking Account

Balance Requirement	Interest Rate	APY*
All Balances	.15%	.15%

Statement Savings Account

Balance Requirement	Interest Rate	APY*
$0.00 - $2,499.99	.10%	.10%
$2,500.00 and Above	.15%	.15%

First-Time Homebuyers Savings Account

Balance Requirement	Interest Rate	APY*
All Balances	.50%	.50%

Money Market Account

Balance Requirement	Interest Rate	APY*
$2,500.00 - $49,999.99	1.04%	1.05%
$50,000.00 - $99,999.99	1.19%	1.20%
$100,000.00 - $249,999.99	1.44%	1.45%
$250,000.00 - $499,999.99	1.54%	1.55%
$500,000.00 - $999,999.99	1.59%	1.60%
$1,000,000.00 & Above	1.74%	1.75%

Health Savings Account (HSA), Funeral Trust Fund & Variable IRA

Balance Requirement	Interest Rate	APY*
See Disclosures	.30%	.30%

*Annual Percentage Yield (APY). Rates effective as of 09/24/24 and subject to change without notice. Deposits are FDIC insured to $250,000 for each depositor. IRA deposits are FDIC insured to $250,000 for each depositor. Fees, if any, may affect the annual percentage yield.

A penalty may be imposed for early withdrawal of CDs.

**Minimum deposit for a Health Savings Account is $100.00. Funeral Trust Fund and Variable IRA accounts have no minimum deposit to open account.