Individual Retirement Accounts (IRA)

Flexible IRA Savings (includes Traditional, Roth, & SEP IRAs and CESAs)

Balance Range for Dividends1	Nominal Rate/APY**
$0.00 to $99.99	0.00% / 0.00%
$100.00 to $4,999.99	0.20% / 0.20%
$5,000.00 to $9,999.99	0.35% / 0.35%
$10,000.00 or more	0.45% / 0.45%

IRA and CESA products can only be opened in branch.

¹ Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

IRA Certificates $500 Minimum to Open

Account	Nominal Rate/APY**	Dividends Paid
1 Year	3.69% / 3.75%	Monthly
2 Year	3.69% / 3.75%	Monthly
3 Year	3.44% / 3.50%	Monthly
4 Year	3.20% / 3.25%	Monthly
5 Year	3.44% / 3.50%	Monthly

Add-On/Bump-Up IRA Certificates

Account	Min. to Open	Nominal Rate/APY*
1 Year Add-On1	$100.00	3.69% / 3.75%
30-Month Bump2	$2,500.00	2.96% / 3.00%

Certificate of Deposit Rates Effective 11.21.24

IRA products can only be opened in branch.

** APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

¹ Dividends paid monthly. $10.00 minimum to add-on.

² Eligible for one rate bump to the 24 month rate during the term.

Special Certificates

Account	Min. to Open	Nominal Rate/APY**
13-Month Special1	$500.00	4.41% / 4.50%

^**APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

¹ Annual percentage yield valid on 13-month certificates of deposit and IRA certificates as of 11.21.24 with a minimum of $500. Deposits over $1,000,000 require approval. Consumer and business certificates renew to 12-month certificates at maturity. IRA certificates renew to 12-month certificates at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. APY subject to change. Limited-time offer. Insured by NCUA.

For account fees please see fee schedule.