Deposit Rates Loan Rates Savings & Checking Rates Rates as of 5/2/2026 Rates Account Type Minimum Balance APY1 Share (Savings) Accounts (Primary & Secondary) $100.00 .25% Club & Escrow Accounts $100.00 .25% Regular Checking N/A N/A Free Checking2 N/A N/A Interest Checking $100.00 .10% IRA3, Roth or ESA Shares (Savings) $100.00 .35% Account Services Fees 1 APY = Annual Percentage Yield 2 Regular Checking fee waived for Silver or Gold Rewards, Interest Checking fee waived for Gold Rewards. Free Checking Rewards Level frozen at Bronze Rewards. 3 IRA = Individual Retirement Account Regular accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government. IRA (Individual Retirement Accounts) are federally insured up to $250,000.00 by N.C.U.A. All rates are subject to change at any time without prior notice. Fees may reduce earnings. Truth in Savings Account Disclosure Share & Club Accounts Information Checking Information Money Market Accounts Rates as of 5/2/2026 Rates Account Type Minimum Balance APY* Money Market Shares & IRA** Money Market Shares $100.00 .00% $2,500.00 .85% $10,000.00 .85% $25,000.00 .85% $50,000.00 .95% $100,000.00 .95% Money Market Plus & IRA, Roth or ESA Money Market Plus Shares $100.00 .00% $25,000.00 1.25% $50,000.00 1.35% $100,000.00 1.45% $200,000.00 1.50% *APY = Annual Percentage Yield **IRA = Individual Retirement Account Regular accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government. IRA (Individual Retirement Accounts) are federally insured up to $250,000.00 by N.C.U.A. All rates are subject to change at any time without prior notice. Fees may reduce earnings. Truth in Savings Account Disclosure Money Market Account Information Certificate Accounts Rates as of 5/2/2026 Regular Certificate Accounts Account Type & Term Minimum Balance APY* 3 Month Certificate $1,000.00 2.00% 6 Month Certificate $500.00 3.60% 12 Month Certificate $500.00 3.50% 18 Month Certificate $500.00 3.40% 24 Month Certificate $500.00 3.15% 36 Month Certificate $500.00 3.15% 3 Month Jumbo Certificate $25,000.00 2.00% 6 Month Jumbo Certificate $25,000.00 3.60% 12 Month Jumbo Certificate $25,000.00 3.50% 18 Month Jumbo Certificate $25,000.00 3.40% 24 Month Jumbo Certificate $25,000.00 3.15% 36 Month Jumbo Certificate $25,000.00 3.15% Certificate Account Information IRA**, Roth or ESA Certificate Accounts Account Type & Term Minimum Balance APY 3 Month Certificate $1,000.00 2.10% 6 Month Certificate $500.00 3.70% 12 Month Certificate $500.00 3.60% 18 Month Certificate $500.00 3.50% 24 Month Certificate $500.00 3.25% 36 Month Certificate $500.00 3.25% 3 Month Jumbo Certificate $25,000.00 2.10% 6 Month Jumbo Certificate $25,000.00 3.70% 12 Month Jumbo Certificate $25,000.00 3.60% 18 Month Jumbo Certificate $25,000.00 3.50% 24 Month Jumbo Certificate $25,000.00 3.25% 36 Month Jumbo Certificate $25,000.00 3.25% IRA, Roth and ESA Account Information * APY = Annual Percentage Yield ** IRA = Individual Retirement Account Regular accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government. IRA (Individual Retirement Accounts) are federally insured up to $250,000.00 by N.C.U.A. All rates are subject to change at any time without prior notice. Fees may reduce earnings. Truth in Savings Account Disclosures