SavingsMinimum BalanceDividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings$1000.20%0.20%M1 Month
IRA Fixed Certificates$500
$500
$500
$500
3.50%
3.25%
3.15%
3.00%
3.55%
3.29%
3.19%
3.03%
Q
Q
Q
Q
1 Year
2 Year
3 Year
5 Year
Regular Shares $100-$2,000
$2,005+
0.05%
0.06%
0.05%
0.06%
Q
Q
Special Savings$1000.05%0.05%Q3 Months
Regular Checking$2500.05%0.05%M
High-Tide Checking
(Money Market)
$2,500+0.20%0.20%M

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:
1)Early withdrawal or
2)Not maintaining a minimum balance

Rates Effective March 1, 2023

CertificatesMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates$5003.00%3.04%M6 months**
Share Certificates$5004.75%4.85%M1 year Promo**
Share Certificates$5004.25%4.33%M2 years**
Share Certificates$5003.75%3.82%M3 years**
Share Certificates$5003.50%3.56%M4 years**
Share Certificates$5003.25%3.30%M5 years**
Jumbo Certificates*$100,000

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty
Rates Effective March 1, 2023

Savings

SavingsMinimum BalanceDividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings$1000.20%0.20%M1 Month
IRA Fixed Certificates$500
$500
$500
$500
3.50%
3.25%
3.15%
3.00%
3.55%
3.29%
3.19%
3.03%
Q
Q
Q
Q
1 Year
2 Year
3 Year
5 Year
Regular Shares $100-$2,000
$2,005+
0.05%
0.06%
0.05%
0.06%
Q
Q
Special Savings$1000.05%0.05%Q3 Months
Regular Checking$2500.05%0.05%M
High-Tide Checking
(Money Market)
$2,500+0.20%0.20%M

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:
1)Early withdrawal or
2)Not maintaining a minimum balance

Rates Effective March 1, 2023

Certificates

CertificatesMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates$5003.00%3.04%M6 months**
Share Certificates$5004.75%4.85%M1 year Promo**
Share Certificates$5004.25%4.33%M2 years**
Share Certificates$5003.75%3.82%M3 years**
Share Certificates$5003.50%3.56%M4 years**
Share Certificates$5003.25%3.30%M5 years**
Jumbo Certificates*$100,000

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty
Rates Effective March 1, 2023