Deposit Rates

Savings Accounts

Rates are effective as of January 1, 2017

Account

Nominal Rate

Annual Percentage Yield *

Share Savings	.25	. 25 APY
Holiday Club	.25	.25 APY
Vacation Club	.25	.25 APY
IRA Deposit Account	.75	.75 APY




Members Money Savings Account
$100.00 – $24,999.99	.25	.25 APY
$25,000.00 – $49,999.99	.35	.35 APY
$50,000.00 +	.50	.50 APY

Health Savings Account (HSA)
$10.00 – $2,499.99	.30	.30 APY
$2,500.00 – $9,999.99	.50	.50 APY
$10,000.00 +	.75	.75 APY

Certificates of Deposit and IRA CDs

Rates are effective as of January 1, 2017

Term

Minimum

Nominal Rate

Annual Percentage Yield *

6 months	$1,000	.40	.40 APY
12 months	$1,000	.50	.50 APY
18 months	$1,000	.65	.65 APY
24 months	$1,000	.75	.75 APY
36 months	$1,000	.90	90 APY
48 months	$1,000	1.09	1.10 APY

* Annual percentage yield (APY) is based on interest being paid monthly and that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Subject to penalty for early withdrawal. Limited time offer. Subject to change without notice.