Certificates of Deposit Rates

Account Type	APY^*	Minimum Deposit to Open	Minimum Balance to Obtain APY
3 Month CD Apply for a 3 Month CD Now	1.00%	$1,000	$10
6 Month CD Apply for a 6 Month CD Now	3.25%	$1,000	$10
9 Month CD Apply for a 9 Month CD Now	3.00%	$1,000	$10
12 Month CD Apply for a 12 Month CD Now	3.00%	$1,000	$10
14 Month CD (Please visit a branch to open this product.)	3.25%	$1,000	$10
18 Month CD Apply for a 18 Month CD Now	2.25%	$1,000	$10
24 Month CD Apply for a 24 Month CD Now	2.00%	$1,000	$10
36 Month CD Apply for a 36 Month CD Now	2.25%	$1,000	$10
48 Month CD Apply for a 48 Month CD Now	2.50%	$1,000	$10
60 Month CD Apply for a 60 Month CD Now	2.75%	$1,000	$10

Effective Date: November 9, 2025

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Fee Schedule

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*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. A substantial penalty may be imposed for early withdrawal of time accounts. Certificates of Deposit accounts earn a fixed rate of interest until maturity. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. The APY assumes interest remains on deposit until maturity. Premium CD rates may be available to customers with an active VISTA Relationship; excludes CD Specials. ↩