SavingsMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings$1000.20%0.20%M1 Month
IRA Fixed Certificates$500
$500
$500
$500
4.00%
3.50%
3.00%
3.00%
4.06%
3.55%
3.03%
3.03%
Q
Q
Q
Q
1 Year
2 Year
3 Year
5 Year
Regular Savings$100 - $20000.05%0.05%QDay In/Day Out
Regular Shares $2,005+0.10%0.10%Q
Q
Day In/Day Out
Special Savings$1000.05%0.05%Q3 Months
Regular Checking$2500.05%0.05%MDay In/Day Out
High-Tide Checking
(Money Market)
$2,500 - $24,999
$25,000 - $99,999
$100,000+
0.50%
0.60%
0.70%
0.50%
0.60%
0.70%
M
M
M
Day In/Day Out
Day In/Day Out
Day In/Day Out

*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 February 1, 2024

CertificatesMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates$5003.50%3.56%M6 months**
Share Certificates$5004.50%4.50%M1 year**
Share Certificates$5003.50%3.56%M2 years**
Share Certificates$5003.00%3.04%M3 years**
Share Certificates$5003.00%3.04%M4 years**
Share Certificates$5003.00%3.04%M5 years**
Jumbo Certificates*$100,000*Add
.10% to
Regular
Share Rates
*Subject to Early Withdrawal Penalty

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty
Rates Effective February 1, 2024

Savings

SavingsMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings$1000.20%0.20%M1 Month
IRA Fixed Certificates$500
$500
$500
$500
4.00%
3.50%
3.00%
3.00%
4.06%
3.55%
3.03%
3.03%
Q
Q
Q
Q
1 Year
2 Year
3 Year
5 Year
Regular Savings$100 - $20000.05%0.05%QDay In/Day Out
Regular Shares $2,005+0.10%0.10%Q
Q
Day In/Day Out
Special Savings$1000.05%0.05%Q3 Months
Regular Checking$2500.05%0.05%MDay In/Day Out
High-Tide Checking
(Money Market)
$2,500 - $24,999
$25,000 - $99,999
$100,000+
0.50%
0.60%
0.70%
0.50%
0.60%
0.70%
M
M
M
Day In/Day Out
Day In/Day Out
Day In/Day Out

*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 February 1, 2024

Certificates

CertificatesMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates$5003.50%3.56%M6 months**
Share Certificates$5004.50%4.50%M1 year**
Share Certificates$5003.50%3.56%M2 years**
Share Certificates$5003.00%3.04%M3 years**
Share Certificates$5003.00%3.04%M4 years**
Share Certificates$5003.00%3.04%M5 years**
Jumbo Certificates*$100,000*Add
.10% to
Regular
Share Rates
*Subject to Early Withdrawal Penalty

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty
Rates Effective February 1, 2024