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Deposit Rates

Share Certificates
Effective Date: December 21, 2024
Term	APY*	Minimum Deposit
4 Month Promo¹	4.25%	$10,000
5 Month Promo¹	4.00%	$1,000
6 Month	0.25%	$1,000 - $99,999
6 Month	0.30%	$100,000
Special 12 Month¹	3.50%	$1,000
12 Month	0.30%	$1,000 - $99,999
12 Month	0.35%	$100,000
24 Month	0.45%	$1,000 - $99,999
24 Month	0.50%	$100,000
36 Month	0.60%	$1,000 - $99,999
36 Month	0.65%	$100,000
48 Month	0.95%	$1,000 - $99,999
48 Month	1.00%	$100,000
60 Month	1.30%	$1,000 - $99,999
60 Month	1.35%	$100,000

IRA Certificates
Effective Date: December 21, 2024
Term	APY*	Minimum Deposit
12 Months	.35%	$1,000 - $99,999
12 Months	.40%	$100,000
24 Months	.50%	$1,000 - $99,999
24 Months	.55%	$100,000
36 Months	.65%	$1,000 - $99,999
36 Months	.70%	$100,000
48 Months	1.00%	$1,000 - $99,999
48 Months	1.05%	$100,000
60 Months	1.35%	$1,000 - $99,999
60 Months	1.40%	$100,000

Arrowhead Savings
Effective Date: December 21, 2024
Minimum to open is $25. Dividend paid when average daily balance for the month is:
Avg. Daily Bal	APY*
$0.01 - $99.99	0.00%
$100 - $999.99	0.05%
$1,000 - $1,999.99	0.05%
$2,000 - $4,999.99	0.10%
$5,000 and above	0.15%

Consumer Dividend Checking
Effective Date: December 21, 2024
Minimum to open is $100. Dividend paid when average daily balance for the month is:
Avg. Daily Bal	APY*
$0.00 - $2,499.99	0.00%
$2,500 - $24,999.99	0.03%
$25,000 and above	0.08%

Money Market
Effective Date: December 21, 2024
Minimum to open is $2,500. Dividend paid when average daily balance for the month is:
Avg. Daily Bal	APY*
$0.01 - $24,999.99	0.35%
$25,000 - $49,999.99	0.50%
$50,000 - $99,999.99	0.60%
$100,000 - $249,999.99	0.75%
$250,000 - $499,999.99	1.00%
$500,000 and above	1.10%

Special Savings
Effective Date: December 21, 2024
Avg. Daily Bal	APY¹
$0.01 and above	0.05%

Holiday Club
Effective Date: December 21, 2024
Avg. Daily Bal	APY¹
$0.01 and above	0.05%

Club Rocky Savings
Effective Date: December 21, 2024
Minimum to open is $25. Dividend paid when average daily balance for the month is:
Avg. Daily Bal	APY*
$0.01 - $99.99	0.00%
$100 - $999.99	0.05%
$1,000 - $1,999.99	0.05%
$2,000 - $4,999.99	0.10%
$5,000 and above	0.15%

IRA (Traditional or Roth)
Effective Date: December 21, 2024
Dividend paid when average daily balance for the month is:
Avg. Daily Bal	APY*
$100 and above	0.35%

Retirement Builder
Effective Date: Saturday, December 21st, 2024
$10 minimum balance to maintain. Product no longer available for new accounts.
Avg. Daily Bal	APY*
$10 - $1,500	0.25%

*APY=Annual Percentage Yields. Share Certificates and IRA Certificates subject to minimum deposits based on term and rate, and subject to early withdrawal penalties which may reduce earnings. Programs and rates are subject to change daily without notice. Terms and conditions available at a branch. IRA Certificates not available for business accounts.
¹Offer valid for limited time and subject to change at any time. Minimum deposit for 4 Month Promo Share Certificate is $10,000. Minimum deposit for 5 Month Promo Share Certificate is $1,000. Minimum deposit for Special 12 Month Share Certificate is $1,000. Early withdrawal penalties and other restrictions may apply.