Share Certificates







Product/Term	Dividend Rate ($1,000 min)	APY	Dividend Rate ($100,000 min)	APY
3 month	0.25%	0.25%	0.30%	0.30%
6 month	0.85%	0.85%	0.90%	0.90%
3 year medex	1.24%	1.25%
Freedom 18 month (Only certificate that allows regular deposits)	1.01% ($500 min)	1.01% ($500 min)
	Dividend Rate ($500 min)	APY	Dividend Rate ($100,000 min)	APY
12 month	1.34%	1.35%	1.39%	1.40%
18 month	1.39%	1.40%	1.44%	1.45%
24 month	1.54%	1.55%	1.59%	1.60%
30 month	1.59%	1.60%	1.64%	1.65%
3 year	1.69%	1.70%	1.74%	1.75%
4 year	1.98%	2.00%	2.03%	2.05%
5 year	2.13%	2.15%	2.18%	2.20%







Investors Certificates







Term	Dividend Rate ($5,000 min)	APY
3 month	0.25%	0.25%
4 month	0.50%	0.50%
6 month	0.85%	0.85%
8 month w/checking*	2.23%	2.25%
10 month	0.95%	0.95%
12 month	1.34%	1.35%
13 month	1.39%	1.40%
13 month (Web Only)	0.75%	0.75%
	Dividend Rate ($25,000 min)	APY
7 day	0.25%	0.25%







IRA Certificates







Product/Term	Dividend Rate ($500 min)	APY
8 month w/checking*	2.23%	2.25%
12 month	1.34%	1.35%
18 month	1.39%	1.40%
2 year	1.54%	1.55%
3 year	1.69%	1.70%
4 year	1.98%	2.00%
5 year	2.13%	2.15%
IRA Subshare ($1,000 min)	0.20%	0.20%







Money Market IRA







Only IRA that allows regular deposits







Term	Dividend Rate ($500 Minimum)	APY
18 month	1.01%	1.01%







Account Rates







Account	Dividend Rate	APY
Regular Shares	0.20%	0.20%
Advantage Checking ($1,000 min)	0.15%	0.15%
Christmas Club	0.20%	0.20%
Special Shares	0.20%	0.20%
Vacation Shares	0.20%	0.20%







Classic Plus Shares & Money Market Savings







Product/Term	Dividend Rate	APY
$0 - $999	0.30%	0.30%
$1,000 - $4,999	0.40%	0.40%
$5,000 - $14,999	0.50%	0.50%
$15,000 - $24,999	0.70%	0.70%
$25,000 - $49,999	0.90%	0.90%
$50,000 +	1.01%	1.01%







Investors Money Market Savings







Product/Term	Dividend Rate	APY
$0 - $9,999	0.50%	0.50%
$10,000 - $24,999	0.70%	0.70%
$25,000 - $49,999	1.01%	1.01%
$50,000 - $99,999	1.04%	1.05%
$100,00 - $249,999	1.49%	1.50%
$250,000 - $499,999	1.84%	1.86%
$500,000 +	1.98%	2.00%







High Interest Checking²







Product/Term	Dividend Rate	APY
$0 - $1,000	4.00%	4.07%
$1,000.01 - $5,000	2.00%	2.02%
$5,000.01 +	0.25%	0.25%







Premium Money Market Checking







Product/term	Dividend Rate	APY
$1,000 - $9,999	0.15%	0.15%
$10,000 - $24,999	0.20%	0.20%
$25,000 - $49,999	0.25%	0.25%
$50,000 +	0.50%	0.50%







HSA Tiered Checking







Product/Term	Dividend Rate	APY
$0 - $499	0.00%	0.00%
$500 - $999	0.10%	0.10%
$1,000 - $4,999	0.15%	0.15%
$5,000 - $14,999	0.25%	0.25%
$15,000+	0.30%	0.30%







HSA Money Market Savings







Product/Term	Dividend Rate	APY
$2,500 - $4,999	0.15%	0.15%
$5,000 - $9,999	0.20%	0.20%
$10,000 - $24,999	0.25%	0.25%
$25,000 - $49,999	0.50%	0.50%
$50,000 +	0.60%	0.60%










Rates effective as of September 12, 2019.











APY = Annual Percentage Yield. Early withdrawal penalties may apply and could reduce earnings.




* Rate Specials




¹ $500 minimum deposit is required to open advertised certificates. Minimum $100,000 in single certificate is required to earn higher advertised rates. Early withdrawal penalties and fees may apply and could reduce earnings on deposit accounts. Offer available beginning January 10, 2019. This is a limited time offer and is subject to change at any time without notice. Special quotes must be obtained for deposits of more than $1,000,000 and may differ from posted rates. ² Must meet qualifiers to receive special rate. If qualifiers are not met, member will earn 0.10%.