Deposit Rates

Rates effective as of February 24, 2022

Regular Savings & Club Accounts

Product	Compounding Method	Interest Rate	APY^**	Additional Information
Passbook Savings Account	Daily (365/365)	0.10%	0.10%	Initial deposit of $50.00 required. Minimum balance to earn the APY is $50.00
Statement Savings Account W/ATM Card	Daily (365/365)	0.10%	0.10%	Initial deposit of $50.00 required. ATM Card available. Minimum balance to earn the APY is $50.00
Holiday Club	Interest not Compounded	0.10%	0.10%	The amount of Club Account available are $10, $20 and $25
Vacation Club	Interest not Compounded	0.10%	0.10%	The amount of the Club Account available are $10, $20 and $25
Kid Savers Account	Daily (365/365)	0.20%	0.20%	Initial deposit of $1 required. Minimum balance to earn the APY is $1.00

**APY = Annual Percentage Yield
This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.

Money Market Savings

Product	Compounding Method	Interest Rate	APY^**	Additional Information
Money Market Passbook	Daily (365/365)	0.10%	0.10%	Initial deposit of $1000 required. Minimum to earn the APY is $1,000
Premium Tiered Money Market Account	Daily (365/365)	Tier 1 0.15%	Tier 1 0.15%	1st Tier balance requirement is $10,000 to $49,999.99. Initial deposit to open is $10,000.00. Minimum balance to earn APY is $10,000.00
Premium Tiered Money Market Account	Daily (365/365)	Tier 2 0.20%	Tier 2 0.20%	2nd Tier balance requirement is $50,000.00 and over. Minimum balance to earn APY is $50,000.

This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.

Personal Checking

Product	Interest Rate	APY^**	Interest Credited	Balance For No Fee
Senior Checking	0.10%	0.10%	Monthly	No minimum required
Now Checking	0.10%	0.10%	Monthly	$100 minimum daily required
Community Checking	0.10%	0.10%	Monthly	N/A
Totally Free Checking	0.10%^***	0.10%^***	Monthly	No minimum required

This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.
***Totally Free Checking offers an introductory rate of 0.10% APY guaranteed for 6 Months on balances up to $10,000; 0.10% on balances over $10,000.

Business Checking

Product Title	APY**	Interest Credited	Additional Information	Balance For No Fee
Small Business Checking^*	0.10%	Monthly	Initial deposit of $100 required to open.	$100 balance required for no monthly fee
Business Checking	Non-Interest Bearing	N/A	Initial deposit of $100 required to open.	$100 balance required for no monthly fee.

*This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.

Certificate of Deposits & IRAs

Product Title	Minimum to Open and Earn APY^**	Interest Rate	APY^**	Interest Credited
91 Days	$1,000.00	0.15%	0.15%	End of Term
99 Days	$1,000.00	0.15%	0.15%	End of Term
5 Months	$1,000.00	0.15%	0.15%	End of Term
6 Months	$1,000.00	0.20%	0.20%	End of Term
7 Months	$1,000.00	0.25%	0.25%	End of Term
12 Months	$1,000.00	0.25%	0.25%	Monthly or Quarterly
13 Months	$1,000.00	0.15%	0.15%	Quarterly
18 Months	$1,000.00	0.35%	0.35%	Quarterly
18 Month Flexible	$1,000.00	0.35%	0.35%	Monthly
18 Month Variable Available For IRA Only	$1,000.00	0.35%	0.35%	Monthly
24 Months	$1,000.00	0.30%	0.30%	Quarterly
30 Months	$1,000.00	0.30%	0.30%	Quarterly
36 Months	$1,000.00	0.30%	0.30%	Quarterly
36 Months Flexible	$1,000.00	0.30%	0.30%	Quarterly
48 Months	$1,000.00	0.30%	0.30%	Quarterly
60 Months	$1,000.00	0.50%	0.50%	Quarterly

**The Annual Percentage Yield (APY) on all Certificate of Deposits and IRAs is calculated using daily (365/365); Interest Rates subject to change without notice. Penalty for early withdrawal from a Certificate of Deposit will reduce earnings and Annual Percentage Yield.