Dividend Rates

Account Type	Dividend Rate	Annual Percentage Yield	Minimum $ To Open Account	Minimum Balance Required to Earn APY*
Shares (Savings)
$50 – $2,500	0.10%	0.10%	$5.00	$50
$2,500 +	0.10%	0.10%	$5.00	$50
Money Markets
$2500 +	0.20%	0.20%	$2,500	$2,500
Share Certificates**
3 Months	0.30%	0.30%	$500	$500
6 Months	0.40%	0.40%	$500	$500
12 Months	0.65%	0.65%	$500	$500
18 Months	0.70%	0.70%	$500	$500
24 Months	0.80%	0.80%	$500	$500
36 Months	1.10%	1.11%	$500	$500
48 Months	1.20%	1.21%	$500	$500
60 Months	1.25%	1.26%	$500	$500
IRA Shares	0.20%	0.20%	$0	$50
Opening Fee $10.00
IRA Certificates**
3, 6, 9, 12, 15,18, 24 Months	1.10%	1.10%	$500	$500
36 Months	1.10%	1.10%	$500	$500
48 Months	1.20%	1.21%	$500	$500
Health Savings Accounts	0.10%	0.10%	$0	$50
Clubs	0.10%	0.10%	$0.00	No Minimum
Christmas
Vacation
All-Purpose
Critter
Youth Accounts
Monty Moose	same as shares	same as shares	$1.00	$10
(3 – 13)
Greenbucks	same as shares	same as shares	$5.00	$50
(14 – 17)

*Annual Percentage Yield

**A penalty may be imposed for early withdrawal

Effective as of 7:30 AM on January 15, 2021. Rates subject to change.

Annual Percentage Yield is accurate as of December 21, 2020.