Current Rates

Effective as of December 10, 2024

Certificates of Deposit

Term	APY~
91 Days ($500.00 - $24,999.99)	0.70%
91 Days ($25,000 and above)**	3.50%
182 Days ($500.00 - $49,999.99)	0.90%
182 Days ($50,000 and above)*	4.25%
9 Months ($500.00 - $24,999.99)	3.55%
9 Months ($25,000 and above)**	4.15%
11 Months ($500.00 - $24,999.99)	3.00%
11 Months ($25,000 and above)**	3.50%
12 Months	3.75%
18 Months ($500.00 - $49,999.99)	3.00%
18 Months ($50,000 and above)*	3.50%
24 Months	3.30%
30 Months	0.70%
36 Months ($500.00 - $49,999.99)	2.78%
36 Months ($50,000 and above)*	3.03%
60 Months	1.00%

$500 minimum balance to open CD. $500 minimum balance to maintain disclosed APY

*MINIMUM BALANCE OF $50,000 TO OPEN

**MINIMUM BALANCE OF $25,000 TO OPEN

Checking Accounts

Account Type	APY~
^Now Account*	0.12%
^Super Now Account**	0.15%
^Interest Bearing Business Checking (min $750)	0.12%
^Interest Bearing Business Checking (min $2500)	0.15%

*$750 minimum balance to open Now checking account & maintain disclosed APY
**$2500 minimum balance to open Super Now Account & maintain disclosed APY

Savings Accounts

Account Type	APY~
^Statement Savings Account¹	0.18%
^Golden Investment Account²	0.20%*
^Platinum Investment Account³
$10,000 - $49,999.99	0.28% **
$50,000 - $99,999.99	0.35%
$100,000 - $249,999.99	0.50%
$250,000 and above	Call for Rate

¹$50 minimum to balance open
²$1000 minimum balance to open
³$10,000 minimum balance to open

*Golden Investment Accounts with a balance less than $1000 will receive Statement Savings Account Rate. If balance falls below $100 there will be a monthly maintenance fee of $1.

**Platinum Investment Accounts with a balance less than $10,000 will receive the lowest rate listed for the Platinum Investment Account with a monthly Maintenance Fee of $10.

IRA / Health Savings Account (HSA)

Balance	APY~
$10.00 - $9,999.99	0.25%
$10,000 - $24,999.99	0.32%
$25,000 - $49,999.99	0.40%
$50,000 - $99,999.99	0.44%
$100,000 - $249,999.99	0.54%
$250,000 and above	0.65%

$10 minimum balance to open HSA

Individual Retirement Account (IRA)

Account Type	APY~
12 Months	3.75%
18 Months	3.50%
36 Months ($500.00 - $49,999.99)	3.25%
36 Months ($50,000 and above)*	3.50%
60 Months	1.00%

$500 minimum balance to open IRA

*MINIMUM BALANCE OF $50,000 TO OPEN

~APY = Annual Percentage Yield
^FEES COULD REDUCE EARNINGS
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWALS ON CD’S
ASK US FOR FURTHER INFORMATION ABOUT THESE ACCOUNTS
SAVINGS / CHECKING RATES COULD CHANGE AFTER ACCOUNT IS OPENED
RATES EFFECTIVE AS OF THE DATE LISTED ABOVE AND SUBJECT TO CHANGE WITHOUT NOTICE