Deposit Rates Loan Rates Savings & Checking Rates Rates as of 10/2/2026 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 Checking N/A N/A Interest Checking $100.00 .10% IRA2, Roth or ESA Shares (Savings) $100.00 .35% Account Services Fees 1 APY = Annual Percentage Yield 2 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 10/2/2026 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 10/2/2026 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 (Maximum of $24,999) 4.00% 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 (Maximum of $24,999) 4.00% 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