CERTIFICATES OF DEPOSIT and FIXED RATE INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD
91 Days - CD ONLY 182 Days - CD ONLY 9 Months - Special 12 Months 15 Months- Special 18 Months 21 Months 24 Months 30 Months 36 Months 48 Months - Exchange 60 Months	0.50% 0.75% 4.33% 1.00% 4.09% 1.34% 1.49% 1.59% 1.64% 1.84% 2.23% 2.48%	0.50% 0.75% 4.40% 1.00% 4.15% 1.35% 1.50% 1.60% 1.65% 1.85% 2.25% 2.50%

Penalties apply for early withdrawal. | Minimum balance to open a Certificate of Deposit is $500. Minimum balance to open a Fixed IRA is $25. | No brokered funds.

RATES EFFECTIVE DECEMBER 01, 2024 - DECEMBER 31, 2024

HEALTH SAVINGS ACCOUNTS (HSA)

TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD
$.01 - $4,999.99 $5,000 - $24,999.99 $25,000 - $49,999.99 $50,000 and greater	0.40% 1.24% 2.08% 2.72%	0.40% 1.25% 2.10% 2.75%

TERM

INTEREST RATE

ANNUAL PERCENTAGE YIELD

$.01 - $4,999.99

$5,000 - $24,999.99

$25,000 - $49,999.99

$50,000 and greater

0.40%

1.24%

2.08%

2.72%

0.40%

1.25%

2.10%

2.75%

Rates may change after the account is open. Fees may reduce earnings. Minimum balance to open a Health Savings Account is $25.

MONEY MARKET INVESTMENT ACCOUNTS

BALANCE	INTEREST RATE	ANNUAL PERCENTAGE YIELD
$.01 - $2,499.99 $2,500.00 - $9,999.99 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 and up	0.10% 0.30% 0.90% 1.49% 2.37%	0.10% 0.30% 0.90% 1.50% 2.40%

Rates may change after the account is open. Minimum balance to open account is $1,000.00. Fees may reduce earnings.

INTEREST BEARING (NOW) CHECKING ACCOUNTS

BALANCE	INTEREST RATE	ANNUAL PERCENTAGE YIELD
$.01 - $499.99 $500.00 - $2,499.99 $2,500.00 - $24,999.99 $25,000.00 and up	0.05% 0.15% 0.45% 0.60%	0.05% 0.15% 0.45% 0.60%

Rates may change after the account is open. Minimum balance to open account is $25.00. Fees may reduce earnings.

SAVINGS ACCOUNTS

ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD
Savings Moo-lah's Kids Club	0.40% 0.40%	0.40% 0.40%

Rates may change after the account is open. Minimum balance to open Savings account is $25.00. Fees may reduce earnings. No minimum balance required to open a Moo-lah's Kids Club.

No matter what you are saving for, our competitive interest rates will help you meet your savings goals sooner and easier.

RATES EFFECTIVE DECEMBER 10, 2024 – DECEMBER 16, 2024