Dividend Rates

Account Type	Dividend Rate	Annual Percentage Yield	Minimum $ To Open Account	Minimum Balance Required to Earn APY*
Shares (Savings)
$50 – $2,500	0.05%	0.05%	$5.00	$50
$2,500 +	0.05%	0.05%	$5.00	$50
Money Markets
$2500 +	0.15%	0.15%	$2,500	$2,500
Share Certificates**
3 Months	0.15%	0.15%	$500	$500
6 Months	0.25%	0.25%	$500	$500
12 Months	0.35%	0.35%	$500	$500
18 Months	0.45%	0.45%	$500	$500
24 Months	0.50%	0.50%	$500	$500
36 Months	0.65%	0.65%	$500	$500
48 Months	0.85%	0.85%	$500	$500
60 Months	1.00%	1.00%	$500	$500
IRA Shares	0.15%	0.15%	$0	$50
Opening Fee $10.00
IRA Certificates**
3, 6, 9, 12, 15,18, 24 Months	0.65%	0.65%	$500	$500
36 Months	0.65%	0.65%	$500	$500
48 Months	0.85%	0.85%	$500	$500
Health Savings Accounts	0.05%	0.05%	$0	$50
Clubs	0.05%	0.05%	$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 December 1, 2021. Rates subject to change.

Annual Percentage Yield is accurate as of October 18, 2021.