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SAVINGS
Effective May 12th, 2026
| SAVINGS Accounts Terms & Balances |
Primary Share Savings Regular |
Additional Regular Share Savings |
IRA Share Savings |
Coogan Share Savings |
Young Performer Share Savings |
| Minimum Deposit to Open Account |
$25 |
None |
$25 |
$25 |
$25 |
| Minimum Balance to Maintain the Account or Avoid Low Balance Fee |
$250 |
None |
None |
None |
None |
| Minimum Balance to Earn Dividends |
$250 |
$250 |
$25 |
$25 |
$25 |
| Balance Tiers to Earn Dividends: |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
| $25.00 - $9,999.99 |
|
|
0.050% |
0.050% |
0.050% |
| $250.00 - $9,999.99 |
0.050% |
0.050% |
0.050% |
0.050% |
0.050% |
| $10,000.00 - $24,999.99 |
0.050% |
0.050% |
0.050% |
0.050% |
0.050% |
| $25,000.00 - $49,999.99 |
0.050% |
0.050% |
0.050% |
0.050% |
0.050% |
| $50,000.00 - $99,999.99 |
0.400% |
0.400% |
0.400% |
0.400% |
0.400% |
| $100,000.00 and Over |
0.450% |
0.450% |
0.450% |
0.450% |
0.450% |
CERTIFICATES
| CERTIFICATE Accounts |
Minimum Deposit and Balance $1,000** |
Minimum Deposit and Balance $10,000** |
Minimum Deposit and Balance $25,000** |
Minimum Deposit and Balance $50,000** |
| CERTIFICATE Term: |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
| 6 Months |
2.400% |
2.500% |
2.550% |
2.600% |
| 12 Months |
2.900% |
3.000% |
3.050% |
3.100% |
| 24 Months |
2.750% |
2.850% |
2.900% |
2.950% |
| 36 Months |
3.200% |
3.300% |
3.350% |
3.400% |
| 48 Months |
3.300% |
3.400% |
3.450% |
3.500% |
| 60 Months |
3.400% |
3.500% |
3.550% |
3.600% |
CHECKING
| CHECKING Accounts Terms & Balances |
Performance Checking Account |
eChecking Account |
Senior Checking Account |
Health Savings Account (HSA) |
| Minimum Deposit to Open Account |
$25 |
$25 |
$25 |
$25 |
| Minimum Balance to Maintain Account |
None |
None |
None |
None |
| Monthly Service Charge |
$7.95 |
$0.00* |
$0.00* |
None |
| Minimum Average Balance to Avoid Service Charge |
$1,000.00** |
$0.00* |
$0.00* |
None |
| Minimum Average Balance to Earn Dividends |
$1,000 |
N/A |
N/A |
No Minimum |
| Balance Tiers to Earn Dividends: |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
Annual Percentage Yield |
| $ 0.01 and Over |
|
|
|
0.010% |
| $1,000.00 and Over |
0.010% |
N/A |
N/A |
|
MONEY MARKET
| MONEY MARKET Account Terms & Balances |
|
Money Market Savings Account |
| Minimum Deposit to Open Account |
|
$2,500 |
| Minimum Balance to Maintain Account or Avoid Fee |
|
$2,500 |
| Minimum Balance to Earn Dividends |
|
No Minimum |
| Balance Tiers to Earn Dividends: |
|
Annual Percentage Yield |
| $ 0.01 - $2,499.99 |
|
0.300% |
| $2,500 - $24,999.99 |
|
0.750% |
| $25,000.00 - $49,999.99 |
|
0.800% |
| $50,000.00 - $74,999.99 |
|
1.050% |
| $75,000.00 - $99,999.99 |
|
1.150% |
| $100,000.00 and Over |
|
1.250% |
