Deposit Rates

   Savings Rates
ACCOUNT
TYPE
RATE
TYPE
MINIMUM TO
EARN DIVIDENDS
APR* = Annual
Percentage Rate
APY* = Annual
Percentage Yield
Share Savings Variable $0 0.04% 0.04%
Dream Savings Variable $0-(Maximum $1,000) 0.50% 0.50%
Dream Club Certificate Variable $0 0.15% 0.15%
MyPath Youth N/A N/A Ask for Details N/A

   Checking Rates
ACCOUNT
TYPE
RATE
TYPE
MINIMUM TO
EARN DIVIDENDS
APR* = Annual
Percentage Rate
APY* = Annual
Percentage Yield
Free Checking Variable $2,000 0.03% 0.03%
eChecking Variable $0 1.0% 1.0%

   Money Market Rates
MONEY
MARKET
RATE
TYPE
MINIMUM TO
EARN DIVIDENDS
APR* = Annual
Percentage Rate
APY* = Annual
Percentage Yield
Standard Variable $2,500 0.15% 0.15%
Gold Variable $50,000 0.45% 0.45%
Platinum Variable $100,000 0.55% 0.55%

   IRAs
IRAs RATE
TYPE
MINIMUM TO
EARN DIVIDENDS
APR* = Annual
Percentage Rate
APY* = Annual
Percentage Yield
Traditional & Roth IRA Certifiates, see Clearly Better Savings Certificates table below for dividend rates
Traditional Market IRA Variable $100 0.45% 0.45%
Education Savings, Market ESA Variable $0 0.15% 0.15%
Health Savings, HSA Checking Variable $0 0.05% 0.05%

   Clearly Better Savings Certificates
SAVINGS
CERTIFICATES
RATE
TYPE
MINIMUM TO
EARN DIVIDENDS
APR* = Annual
Percentage Rate
APY* = Annual
Percentage Yield
3-11 Months Fixed $500 0.15% 0.15%
12-23 Months Fixed $500 0.20% 0.20%
24-35 Months Fixed $500 0.40% 0.40%
36-47 Months Fixed $500 0.55% 0.55%
48-59 Months Fixed $500 0.75% 0.75%
60 Months Fixed $500 1.10% 1.11%
RATES WITH MINIMUM DEPOSIT OF $10,000
3-11 Months Fixed $10,000 0.25% 0.25%
12-23 Months Fixed $10,000 0.30% 0.30%
24-35 Months Fixed $10,000 0.50% 0.50%
36-47 Months Fixed $10,000 0.70% 0.70%
48-59 Months Fixed $10,000 0.90% 0.90%
60 Months Fixed $10,000 1.25% 1.26%
RATES WITH MINIMUM DEPOSIT OF $50,000
3-11 Months Fixed $50,000 0.35% 0.35%
12-23 Months Fixed $50,000 0.40% 0.40%
24-35 Months Fixed $50,000 0.60% 0.60%
36-47 Months Fixed $50,000 0.85% 0.85%
48-59 Months Fixed $50,000 1.05% 1.06%
60 Months Fixed $50,000 1.40% 1.41%
IRA Certificates – minimum to earn dividends is $500
Deposit rates current as of February 1, 2018
*APY = Annual Percentage Yield (Projected)
**Rate = Projected Dividend Rate

"Minimum Balance to Earn" Projected Annual Percentage Yield
Some savings rates are subject to change as often as weekly. Dividend rate and Annual Percentage Yield (APY) may change after account is opened. Projected APY assumes the principal is rolled over at maturity and dividends are not withdrawn. You must maintain the minimum balance in your account to obtain APY disclosed. Fees or premature withdrawal of funds could reduce earnings. To avoid service fees, minimum balance requirements and withdrawal limitations may apply to certain savings accounts. Refer to the Account Agreement and Truth in Savings Disclosure for other terms, penalties, and conditions which may apply. Call Financial Services at 800-433-7328 for more information.