Rates

• Loan Rates
• Savings Rates

Current Rates effective as of 09/01/2023

Savings Rates

Account Type	Minimum Deposit	Dividend Rate %	APY %*
Regular, Secondary, Business, Mini Mountaineers Shares	$5.00	0.050	0.05
IRA Share Account	$0.00	0.050	0.05
Holiday Club	$0.00	0.100	0.10

Money Market

	Minimum Deposit	Dividend Rate %	APY %*
$2,500 - $9,999	***	0.300	0.30
$10,000 - $24,999	***	0.350	0.35
$25,000 - $49,999	***	0.350	0.35
$50,000 +	***	0.400	0.40
Giddy Up Money Market $0 - $500	****	43.154	52.80

Certificates & IRA Certificates **

Term	Minimum Deposit	Dividend Rate %	APY % *
12 Month First Tracks	$250	4.184	4.25
3 Month	$500	1.985	2.00
6 Month	$500	2.967	3.00
12 Month	$500	3.941	4.00
18 Month	$500	4.184	4.25
24 Month	$500	3.455	3.50
36 Month	$500	2.526	2.55
48 Month	$500	2.722	2.75
60 Month	$500	2.967	3.00
Baby-Jumbo Certificate Accounts**
6 Month Baby-Jumbo	$50,000	2.967	3.00
12 Month Baby-Jumbo	$50,000	3.941	4.00
24 Month Baby-Jumbo	$50,000	3.455	3.50
48 Month Baby-Jumbo	$50,000	2.722	2.75
60 Month Baby-Jumbo	$50,000	2.967	3.00

*APY = Annual Percentage Yield
**Penalties for early withdrawal may apply and may reduce earnings.
***Accounts falling below $2,500.00 at any time during the month will not earn dividends.
**** Debit card must be used a minimum of 5 times per calendar month (PIN-based transactions do not count), must be signed up for E-Statements and receive a direct deposit of at least $300 per month from your employer, one free withdrawal per month from Giddy-Up™ money market account after which a $5 fee per additional withdrawal will be assessed. Dividends will only be paid on the first $500. No manual deposits are permitted. Accounts that do not meet the requirements will not earn dividends.

Fees may reduce earnings on all Savings, Money Market, and Certificate Accounts