Savings & Checking Rates*

Regular, Smarty, and Journey Savings

Dividend APY*
Up to $10,000.99 0.15% 0.15%
$10,001.00 to $25,000.99 0.20% 0.20%
$25,001.00 and over 0.30% 0.30%

Minimum deposit of $1 is required to open an account

Fees or other conditions associated with the account may reduce earnings

Pays dividends on all funds in the account. Dividends are compounded and credited monthly

Save to Prosper Savings Account

Dividend APY*
Up to $10,000.99 0.15% 0.15%
$10,001.00 to $25,000.99 0.20% 0.20%
$25,001.00 and over 0.30% 0.30%

Minimum deposit of $5 is required to open an account

Penalties imposed for early withdrawal; penalties not applicable during the month of January

Fees or other conditions associated with the account may reduce earnings

Pays dividends on all funds in the account. Dividends are compounded and credited monthly

Holiday, Vacation and Spring Break Club Savings Accounts

Dividend APY*
Any balance 0.10% 0.10%

Minimum deposit of $5 is required to open an account

Early withdrawal fee ($25 per withdrawal); not applicable during first six days account is open

Pays dividends on all funds in the account. Dividends are compounded and credited quarterly

Freedom Savings Account

Dividend APY*
Up to to $10,000.99 0.15% 0.15%
$10,001.00 to $25,000.99 0.20% 0.20%
$25,001.00 and over 0.30% 0.30%

Account Restrictions: Money deposited into this restricted access savings account may not be withdrawn until your Freedom Line of Credit loan has a zero balance.

Fees or other conditions associated with the account may reduce earnings

No minimum balance requirement

Dividends are compounded and credited monthly

Gold Checking

Dividend APY*
$500.00 and over 0.10% 0.10%

Minimum balance $500

Minimum of $500 to open

Dividends compounded daily and credited monthly. If balance falls below $500 you will still earn interest, but a $5 maintenance fee is charged to the account.

Ascend Checking

Dividend APY*
Any balance 0.10% 0.10%

No minimum balance

No minimum deposit to open

Pays dividends on all funds in the account. Dividends are compounded daily and credited monthly.

Individual Retirement Accumulation

Dividend APY*
Up to $10,000.99 0.15% 0.15%
$10,001.00 to $25,000.99 0.20% 0.20%
$25,001.00 and over 0.30% 0.30%

Pays dividends on all funds in the account. Dividends are compounded and credited monthly.

No minimum balance requirement

Daily Interest Investment Account

Dividend APY*
$1,000.01 to $9,999.99 0.20% 0.20%
$10,000.00 to $24,999.99 0.30% 0.30%
$25,000.00 to $49,999.99 0.40% 0.40%
$50,000.00 and over 0.50% 0.50%

Rate can change daily

Minimum deposit of $1,000.00 is required to open and $1000 minimum must be kept to earn dividends

Dividends compounded daily and credited monthly

Share Certificates

Dividend APY*
3 months 0.15% 0.15%
6 months 0.40% 0.40%
9 months 0.45% 0.45%
12 months 0.60% 0.60%
24 months 0.90% 0.90%
36 months 1.19% 1.20%
48 months 1.44% 1.45%
60 months 1.79% 1.80%

Dividend Rates change on a regular basis

Minimum required deposit is $300.00.
Penalties will be imposed for early withdrawal

Terms of 3, 6, 9, 12, 24, 36, 48 and 60 months available

Dividends are compounded and credited monthly

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
*The dividends listed are those declared as of the last dividend declaration date. APY = Annual Percentage Yield.