Certificate of Deposit Rates

Term	Dividend Rates	Annual Percentage Yield (APY)*	Minimum Balance
3 months	0.10%	0.100%	$1,000
6 months	0.20%	0.200%	$1,000
12 months	0.35%	0.350%	$1,000
30 months	1.100%	1.105%	$1,000
48 months	1.250%	1.256%	$1,000

Money Market Rates

Amount	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)*
$5000 - $24,999	0.20%	0.20%
$25,000 - $49,999	0.30%	0.30%
$50,000 - $99,999	0.40%	0.40%
$100,000-$249,999.00	0.55%	0.55%
$250,000.00-$499,900.00	0.75%	0.75%
$500,000.00 +	1.00%	1.00%

Account Rates

Account	Minimum	Fee	Dividend Rate	Annual Percentage Yield (APY)*
Regular Shares	$5.00	-	0.10%	0.10%
Regular Checking	-	-	-	-
Interest Bearing Checking	$1,000		0.05%	0.05%
Christmas Club Account	-	-	0.10%	0.10%

*Rates subject to change. *APY = Annual Percentage Yield.

Rates effective as of March 19^th, 2021

Fee Schedule

Visa Gift Card	$4.00
Cashier's Check	$2.00
Copy of Cancelled Check	$2.50
Statement Copy (per month)	$2.50
Account History (per month)	$2.50
Stop Payment	$25.00
Wire In	$15.00
Wire Out	$25.00
Recurring Wire Out	$15.00
International Wire	$50.00
Returned Item Fee for Check Deposited	$10.00
Debit or Credit Card Replacement	$20.00
Non-Sufficient Funds	$25.00