Deposit Rates

Effective as of Tuesday, October 26, 2021

Go Green Checking*

Balance

Minimum to Earn

Rate

APY

Balances ≤ $25,000.00 $0.01 1.000% 1.000%
Balances ≥ $25,000.01 $25,000.01 0.100% 0.100%

Green Light Checking •

Balance

Minimum to Earn

Rate

APY

Greenlight Checking N/A N/A N/A

Savings

Type

Minimum to Earn

Rate

APY

Share Savings∓ $60.23 0.100% 0.100%
Special Purpose Savings^^ $60.23 0.100% 0.100%
Tuition Builder^ $15.29 0.345% 0.350%

Youth Savings

Name

Minimum to Earn

Rate

APY

Dollar Dog Kids Account• $5.89 1.000% 1.005%
Elements Teen Account•• $5.89 1.000% 1.005%

Money Market°°

Balance

Minimum to Earn

Rate

APY

Up to $24,999 $2,500.00 0.150% 0.150%
$25,000 to $49,999 $25,000.00 0.200% 0.200%
$50,000 to $99,999 $50,000.00 0.250% 0.250%
$100,000 to $249,999 $100,000.00 0.350% 0.350%
Over $250,000 $250,000.00 0.400% 0.400%

Certificates†

Term

Minimum to Open

Rate

APY

3-Month $100.00 0.296% 0.300%
6-Month $100.00 0.345% 0.350%
1-Year $100.00 0.394% 0.400%
18-Month $100.00 0.591% 0.600%
2-Year $100.00 0.492% 0.500%
30-Month $100.00 0.786% 0.800%
3-Year $100.00 0.591% 0.600%
4-Year $100.00 0.737% 0.750%
5-Year $100.00 0.835% 0.850%

Individual Retirement Accounts◊

Term

Minimum to Open

Rate

APY

3-Month $100.00 0.296% 0.300%
6-Month $100.00 0.345% 0.350%
1-Year $100.00 0.394% 0.400%
18-Month $100.00 0.591% 0.600%
2-Year $100.00 0.492% 0.500%
30-Month $100.00 0.786% 0.800%
3-Year $100.00 0.591% 0.600%
4-Year $100.00 0.737% 0.750%
5-Year $100.00 0.835% 0.850%

Disclosures:

APY = Annual Percentage Yield. Rates and terms are subject to change without notice.

* Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 1.00% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. To learn more, please refer to our account qualifications. To learn more, please refer to our account qualifications.

• To open this account, you must currently not be eligible for either a Standard Checking Account or a Go Green Checking Account. The minimum required to open this account is $25.00. No minimum balance requirements to maintain this account. This account will not earn dividends. Please see our fee schedule for fees that may apply to this account.

Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.

^^ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.

^The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.

Dollar Dog account requires a $5 initial deposit. Dollar Dog is a registered trademark of Marketing Partners. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Dollar Dog Savings account, the Jovia Free Checking account and/or Visa® Debit Card for teens under the age of 17.

•• Elements Teen Savings account requires a $5 initial deposit. Minimum balance to earn APY is based on a 30-day month.

°° Minimum balance to earn APY is based on a 30-day month. Fees could reduce earnings on the account. Rates on Savings and Checking accounts may change after the account is opened. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.

APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Ask for details.

APY assumes funds remain on deposit until maturity. Minimum balance requirements apply. No Credit Union penalties on withdrawals on IRA for normal IRA distributions. Consult a tax advisor regarding tax penalties for IRA withdrawals before age 59 ½. Penalties and fees may reduce earnings on accounts. Ask for details.

± Also known as IRA Savers Dividend. Fees and penalties may reduce earnings on the account. Consult with your tax advisor regarding tax deductibility. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.