Rates Below Effective: December 1, 2018 and are Payable January 1, 2019

Share Rates

Amount	Dividend Rate		APY
$0.00 – $19,999.99	0.04%		0.04%
$20,000 – $99,999.99	0.06%		0.06%
greater than or equal to $100,000	0.08%		0.08%

Rates Below Effective: December 1, 2018 and are Payable January 1, 2019

Club and Checking Rates

Type	Dividend Rate		APY
Holiday/Vacation Club Accounts	0.349%		0.35%
Flexible Checking	0.01%		0.01%

Rates Below Effective: December 1, 2018 and are Payable January 1, 2019

Business Checking Rates

Type	Dividend Rate		APY
Free Business Checking	0.00%		0.00%
Classic Business Checking	0.01%		0.01%
Platinum Business Checking	0.02%		0.02%

Rates Below Effective: December 1, 2018 and are Payable January 1, 2019

Insured Money Market Rates

Amount	Dividend Rate		APY
$.00 – $1,999.99	0.00%		0.00%
$2,000 – $9,999.99	0.449%		0.45%
$10,000 – $19,999.99	0.499%		0.50%
$20,000 – $39,999.99	0.598%	0.60%
$40,000 – $99,999.99	0.698%		0.70%
greater than or equal to $100,000	0.847%		0.85%

Rate Below Effective: December 1, 2018 and are Payable January 1, 2019

Health Savings Accounts (HSAs)

Type	Dividend Rate		APY
Health Savings Account	0.598%		0.60%

Rates Below Effective: December 1, 2018 and are Payable January 1, 2019

IRA Share Rates

Amount	Dividend Rate		APY
$.00 – $99,999.99	0.598%		0.60%
greater than or equal to $100,000	0.847%		0.85%

Share Certificate Rates Below Effective: December 11, 2018 through December 17, 2018

Share Certificate Accounts

Term	Share		IRA & Jumbo
	Dividend Rate	APY	Dividend Rate	APY
7 – 91 Days	0.897%	0.90%	N/A	N/A
6 – <12 Months	1.492%	1.50%	1.610%	1.62%
12 – <18 Months	1.936%	1.95%	2.054%	2.07%
18 – <24 Months	2.034%	2.05	2.153%	2.17%
24 – <30 Months	2.330%	2.35%	2.447%	2.47%
30 – <36 Months	2.379%	2.40%	2.497%	2.52%
36 – <48 Months	2.575%	2.60%	2.693%	2.72%
48 – <60 Months	2.722%	2.75%	2.840%	2.87%
>60 Months	3.162%	3.20%	3.279%	3.32%

APY = Annual Percentage Yield.
Rates are subject to change weekly.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.
Share dividend rates are set by the Board of Directors monthly. Certificate dividend rates are set weekly.