CDs & IRAs

• A wide range of terms to match your savings goals from three months to five years available
• Deposits are fully insured

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Array ( [rateTableID] => 1124 [rateTableAnchor] => ratetable_1124 [rateTableMargin] => margin-bottom-large [showtitle] => [showdate] => 1 [showdisclosure] => 1 [showprint] => [showall] => [hiderows] => [hidecolumns] => 0,3 )

Effective Date: Wednesday, December 17, 2025

CDs (Rate Table)

Programs	Term	APY*	Actions
CDs*	3 Months	0.25%	Open an Account - CD - 3 Months
	6 Months	0.50%	Open an Account - CD - 6 Months
	12 Months	1.00%	Open an Account - CD - 12 Months
	18 Months	1.25%
	24 Months	1.25%
	30 Months	1.50%
	36 Months	1.50%
	48 Months	2.00%
	60 Months	2.00%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously. For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Array ( [rateTableID] => 1116 [rateTableAnchor] => ratetable_1116 [rateTableMargin] => margin-bottom-large [showtitle] => [showdate] => 1 [showdisclosure] => 1 [showprint] => [showall] => [hiderows] => [hidecolumns] => 0,3 )

Effective Date: Wednesday, December 17, 2025

CD Special (Rate Table)

Program	Term	APY*	Actions
CD Special	7 Months	4.88%	Open an Account - CD Special - 9 Months
CD Special	15 Months	4.70%	Open an Account - CD Special - 9 Months

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. See Disclosure Statement for more information. This product is not eligible for an IRA.

• 12-month to 60-month terms available
• Tax advantages (consult your tax professional)
• Deposits are fully insured

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Array ( [rateTableID] => 1144 [rateTableAnchor] => ratetable_1144 [rateTableMargin] => margin-bottom-large [showtitle] => [showdate] => 1 [showdisclosure] => 1 [showprint] => [showall] => [hiderows] => 9 [hidecolumns] => 0,3 )

Effective Date: Wednesday, December 17, 2025

IRAs (Rate Table)

Programs	Term	APY*	Actions
Fixed Rate IRAs	12 Months	1.00%	How To Open - Fixed Rate IRAs
	18 Months	1.25%
	24 Months	1.25%
	30 Months	1.50%
	36 Months	1.50%
	48 Months	2.00%
	60 Months	2.00%
IRA Special	14 Months	4.70%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously.