Individual Retirement Accounts (IRA) Rates

Account Type	APY^*	Minimum Deposit to Open	Minimum Balance to Obtain APY
3 Months	1.00%	$1,000	$10
6 Months	1.10%	$1,000	$10
12 Months	1.25%	$1,000	$10
18 Months	2.25%	$1,000	$10
24 Months	2.00%	$1,000	$10
36 Months	2.25%	$1,000	$10
48 Months	2.50%	$1,000	$10

Effective Date: February 11, 2026

CDs & IRAs

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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. Individual Retirement 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. ↩