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Savings, IRA and Term Share Rates

Dividend Rate & Yield Schedule

Dividend Rate & Yield Schedule
Effective Date: November 01, 2025
Account NameRate TypeMin Opening BalanceMin Balance RequiredDividend RateAPY*
Holiday Club Variable $5 $5 0.05% 0.05%
Vacation Club Variable $5 $5 0.05% 0.05%
Membership Account & Total Saver Variable $5 $5    
  5-249.99     0.00% 0.00%
  250-2,999.99     0.05% 0.05%
  3,000-4,999.99     0.05% 0.05%
  5,000-9,999.99     0.10% 0.10%
  10,000-49,999.99     0.10% 0.10%
  50,000-99,999.99     0.15% 0.15%
  100,000-over     0.20% 0.20%
Freedom Savings
16-17 yrs of age		 Savings $5 $5 0.05% 0.05%
Future Savers
5-15 yrs of age		 Savings $5 $5 0.05% 0.05%
Share Draft Checking $25 No Minimum Balance Required Non Dividend Earning  
Freedom Checking Checking $25 No Minimum Balance Required Non Dividend Earning  
IRA Accumulation Variable $100 $100 0.05% 0.05%
IRA Split Rate Variable 1,000 1,000    
  1,000-2,000     0.05% 0.05%
  3,000-4,999     0.10% 0.10%
  5,000-over     0.15% 0.15%

*Annual Percentage Yield

Dividends are computed on all "dividend paid" accounts with a minimum of $5.00. Dividends are computed on the daily balance method; the application of a daily periodic rate to the full amount of ending principal in the account each day. Dividends begin accruing as of the date of deposit. Dividends are paid and compounded monthly. 
 

Term Share Accounts

Term Share & IRA Term Share Accounts
Effective Date: November 05, 2025
TermRate TypeMin Opening BalanceMin to Earn DividendDividend RateAPY*
3 Month Fixed $2,500
$5,000
$10,000		 $2,500
$5,000
$10,000		 2.40%
2.45%
2.50%		 2.43%
2.48%
2.53%
6 Month Fixed $2,500
$5,000
$10,000		 $2,500
$5,000
$10,000		 2.40%
2.45%
2.50%		 2.43%
2.48%
2.53%
6 Month Fixed $50,000
$100,000		 $50,000
$100,000		 2.60%
2.70%		 2.63%
2.73%
1 Year Fixed $2,500
$5,000
$10,000		 $2,500
$5,000
$10,000		 2.40%
2.45%
2.50%		 2.43%
2.48%
2.53%
1 Year Fixed $50,000
$100,000		 $50,000
$100,000		 2.65%
2.75%		 2.68%
2.78%
2 Year Fixed $2,500
$5,000
$10,000		 $2,500
$5,000
$10,000		 2.50%
2.60%
2.70%		 2.53%
2.63%
2.73%
2 Year Fixed $50,000
$100,000		 $50,000
$100,000		 2.80%
2.90%		 2.84%
2.94%
1 Year IRA Fixed $2,500
$5,000		 $2,500
$5,000		 2.60%
2.65%		 2.63%
2.68%
2 Year IRA Fixed $2,500
$5,000		 $2,500
$5,000		 2.50%
2.85%		 2.53%
2.89%

* Annual Percentage Yield

For purposes of this disclosure, the dividend rate and annual percentage yield calculated for the term share accounts were offered within the most recent seven Calendar days and were accurate as of November 05, 2025. 

A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.