Deposit Rates

Savings Accounts

Rates are effective as of January 1, 2023

Account

Dividend (D) / Interest (I) Rate

Annual Percentage Yield
(APY)*

Share Savings (D)	.85	.85 APY
Holiday Club (I)	.85	.85 APY
Vacation Club (I)	.85	.85 APY
IRA Deposit Account (I)	1.49	1.50 APY
WINcentive™ Savings (I)	.85	.85 APY

Members Money Savings Account (I)
$100.00 – $24,999.99	.80	.80 APY
$25,000.00 – $49,999.99	1.04	1.05 APY
$50,000.00 +	1.39	1.40 APY

Health Savings Account (HSA) (I)
$10.00 – $2,499.99	.85	.85 APY
$2,500.00 – $9,999.99	1.00	1.00 APY
$10,000.00 +	1.29	1.30 APY

* Annual percentage yield (APY) is based on interest being paid quarterly and that interest remains on deposit. A withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. Subject to change without notice. Balance must be $10.00 or greater to earn interest.

Certificates of Deposit and IRA CDs

Rates are effective as of December 19, 2022

Term

Minimum

Interest Rate

Annual Percentage Yield (APY) *

6 months	$1,000	1.24	1.25 APY
12 months	$1,000	1.83	1.85 APY
18 months	$1,000	1.98	2.00 APY
24 months	$1,000	2.13	2.15 APY
36 months	$1,000	2.42	2.45 APY
48 months	$1,000	2.57	2.60 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. Fees could reduce the earnings on the account. Subject to penalty for early withdrawal. Limited time offer. Subject to change without notice.

Checking Accounts

Rates are effective as of July 1, 2022

Account

Interest Rate

Annual Percentage Yield (APY)*

Premier Checking	.10	.10 APY
Member Advantage Checking	.10	.10 APY

* Annual percentage yield (APY) is based on interest being paid monthly and that interest remains on deposit. A withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. Subject to change without notice. Average daily balance must be $1,000 or higher to earn interest.