The information provided in this disclosure is effective 01/01/20.
| Certificate Type/Term | Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
| Six Months (180 Days) | $1,000 | 0.85% | 0.85% |
| Nine Months (270 Days) | $2,500 | 0.85% | 0.85% |
| One Year (365 Days) | $2,500 | 1.00% | 1.00% |
| Two Years (730 Days) | $2,500 | 1.19% | 1.20% |
| Mini – Fund (30 Months) | $2,500 | 1.24% | 1.25% |
| Money Fund (5 Years) | $2,500 | 1.44% | 1.45% |
| IRA – Six Months (180 Days) | $1,000 | 0.90% | 0.90% |
| IRA – Nine Months (270 Days) | $2,500 | 0.90% | 0.90% |
| IRA – One Year (365 Days) | $2,500 | 1.04% | 1.05% |
| IRA – Two Years (730 Days) | $2,500 | 1.24% | 1.25% |
| IRA Mini – Fund (30 Months) | $2,500 | 1.29% | 1.30% |
| IRA Money Fund (5 Years) | $2,500 | 1.49% | 1.50% |