Individual Retirement Accounts (IRA)

Flexible IRA (includes Traditional, Roth, and CESA IRAs)

Balance Range for Dividends*	Nominal Rate/APY**
$0.00 to $99.99	0.00% / 0.00%
$100.00 to $4,999.99	0.20% / 0.20%
$5,000.00 to $9,999.99	0.35% / 0.35%
$10,000.00 or more	0.45% / 0.45%

IRA products can only be opened in branch.

*Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

IRA Certificates $500 Minimum to Open

Account	Nominal Rate/APY*	Dividends Paid
1 Year	2.96% / 3.00%	Monthly
2 Year	3.15% / 3.20%	Monthly
3 Year	3.44% / 3.50%	Monthly
4 Year	3.20% / 3.25%	Monthly
5 Year	3.44% / 3.50%	Monthly

Add-On/Bump-Up Certificates

Account	Min. to Open	Nominal Rate/APY*
1 Year Add-On**	$100.00	2.96% / 3.00%
30-Month Bump***	$2,500.00	2.96% / 3.00%

Certificate of Deposit Rates Effective 3/28/23

*APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

**Dividends paid monthly. $10.00 minimum to add-on.

***Eligible for one rate bump to the 24 month rate during the term.

Special IRA Certificates

Account	Min. to Open	Nominal Rate/APY*
13-Month Special**	$500.00	4.89% / 5.00%
21-Month Special¶	$500.00	4.65% / 4.75%

Certificate of Deposit Rates Effective 4/4/23

**Renews to 12-month at maturity.

^¶Renews to 18-month at maturity.

IRA products can only be opened in branch.

^*APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

For account fees please see fee schedule.