Deposit Rates

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Effective Date:

Savings

Saving Account Options

Account Type	Required Opening Deposit	Minimum Daily Balance to Avoid Fee	Minimum Daily Balance to Earn APY	Dividend Rate / APY^*
Share Savings	$5	$0	$0	0.10% / 0.10%
Sub-Share Savings	$0	$0	$0	0.10% / 0.10%
Property Tax Savings	$0	$0	$0	0.10% / 0.10%
Empowering Kids Savings^**	$5	$0	$0	3.00% / 3.04%
Empowering Teens Savings^**	$5	$0	$0	3.00% / 3.04%
Health Savings	$0	$0	$0	0.75% / 0.75%

*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.

Checking

Checking Account Options

Account Type	Required Opening Deposit	Minimum Daily Balance to Avoid Fee	Minimum Daily Balance to Earn APY	Dividend Rate / APY^*
Easy Does It Checking	$0	$0	$0	0.00% / 0.00%
Checking Plus**	$0	$200 OR Direct Deposit	$500	0.10% / 0.10%

*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. **Checking Plus Accounts require either Direct Deposit or $200 to open and minimum daily balance to avoid $5.00 monthly fee; $500 required to obtain APY.

Investments

Money Market Accounts

Minimum Deposit	Dividend Rate without Checking	APY without Checking	Dividend Rate with Checking	APY with Checking
$2,500	0.50%	0.50%	0.60%	0.60%
$15,000	0.90%	0.90%	1.00%	1.01%
$75,000	1.78%	1.80%	1.88%	1.90%
$250,000	2.66%	2.69%	2.80%	2.76%

*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY.

Term Share Certificates

Minimum Deposit	Certificate Term	Dividend Rate	APY*
$500	90 Day	1.00%	1.01%
$500	6 Month	1.75%	1.76%
$2,000**	9 Month	3.70%	3.75%
$500	12 Month	2.50%	2.52%
$500	18 Month	2.50%	2.52%
$500	24 Month	2.50%	2.52%
$500	30 Month	2.50%	2.52%
$500	36 Month	2.50%	2.52%
$500	48 Month	2.50%	2.52%
$500	60 Month	2.50%	2.52%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and API are subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY.

Individual Retirement Accounts (IRA) Savings

Minimum Deposit	Dividend Rate	APY*
$0	0.75%	0.75%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are subject to change without notice.

Individual Retirement Accounts (IRA) Share Certificates

Minimum Deposit	Certificate Term	Dividend Rate	APY*
$500	90 Day	1.00%	1.01%
$500	6 Month	1.75%	1.76%
$2,000**	9 Month	3.70%	3.75%
$500	12 Month	2.50%	2.52%
$500	18 Month	2.50%	2.52%
$500	24 Month	2.50%	2.52%
$500	36 Month	2.50%	2.52%
$500	48 Month	2.50%	2.52%
$500	60 Month	2.50%	2.52%

Ultimate Individual Retirement Accounts (IRA)

Minimum Deposit	Dividend Rate without Checking	APY without Checking	Dividend Rate with Checking	APY with Checking
$0	0.75%	0.75%	1.00%	1.01%
$15,000	1.00%	1.01%	1.25%	1.26%
$100,000	1.75%	1.76%	2.00%	2.02%
$500,000	2.50%	2.53%	2.75%	2.79%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are subject to change without notice.