Effective: November 3, 20231
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 14 – 90 Days | 1.00% | 1.00% |
| 91 – 181 Days | 4.25% | 4.32% |
| 182 – 364 Days | 4.35% | 4.42% |
| 1 Year | 4.375% | 4.45% |
| 2 Year | 3.00% | 3.03% |
| 3 Year | 3.50% | 3.55% |
| 4 Year | 3.50% | 3.55% |
| 5 Year | 3.75% | 3.80% |
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 8 Month | 4.91% | 5.00% |
| 18 Month | 4.67% | 4.75% |
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 9 Month “New Money Only” | 4.91% | 5.00% |
| 2 Year | 4.50% | 4.58% |
| Interest Rate: 0.30% |
| Annual Percentage Yield: 0.30% |
| Daily Balance | Interest Rate | Annual Percentage Yield |
|---|---|---|
| Balances from $0 – $9,999.99 | Pays 0.25% | 0.25% |
| Balances from $10,000.00 – $49,999.99 | Pays 0.35% | 0.35% |
| Balances from $50,000.00 – $99,999.99 | Pays 0.45% | 0.45% |
| Balances of $100,000.00 and over | Pays 0.75% | 0.75% |
| Daily Balance | Interest Rate | Annual Percentage Yield |
|---|---|---|
| Balances from $0 – $9,999.99 | Pays 0.25% | 0.25% |
| Balances from $10,000.00 – $49,999.99 | Pays 0.75% | 0.75% |
| Balances of $50,000.00 and over | Pays 1.50% | 1.51% |
1These rates may change at any time without prior notice
2Minimum opening balance is $1000.00
3Interest Rate of 0.25% will be paid for the portion of your daily balance that is $9,999.99 or less. Interest Rate of 0.35% will be paid for the portion of your daily balance that ranges from $10,000 to $49,999.99. Interest Rate of 0.45% will be paid for the portion of your daily balance that ranges from $50,000 to $99,999.99 Interest Rate of 0.75% will be paid for the portion of your daily balance that ranges from $100,000 or over.
4Interest Rate of 0.25% will be paid for the portion of your daily balance that is $9,999.99 or less. Interest Rate of 0.75% will be paid for the portion of your daily balance that ranges from $10,000 to $49,999.99. Interest Rate of 1.50% will be paid for the portion of your daily balance that ranges from $50,000 or over.
5Annual Percentage Yield of 1.51% based on balances of $1,000,000. Yield increases on balances in excess of $1,000,000
Fixed Rate: The interest rate will be paid until the maturity date of the certificate.
Automatically Renewable: The Certificate of Deposit will automatically renew on each succeeding maturity date. Each renewal term will be the same as the original term, beginning on the maturity date at the current rate of interest, unless the certificate terms are amended by the customer within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days. We will not automatically renew the certificate and no interest will accrue after maturity, (1) If you tell us not to do so, in writing on or before the next maturity date, or (2) if you present this certificate to us for payment within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days, or (3) if notified by us 5 days before the next maturity date.
FOR TERMS OF 14 DAYS UP TO AND INCLUDING 90 DAYS: The penalty will be one (1) month of interest on the amount withdrawn.
FOR TERMS OF 91 DAYS UP TO AND INCLUDING ONE YEAR: The penalty will be three (3) months of interest on the amount withdrawn.
FOR TERMS OF GREATER THAN ONE YEAR: The penalty will be six (6) months of interest on the amount withdrawn.
