Deposit Rates

Savings

(Effective 11/1/2023) Rates are subject to change without notice.

Account Type	Minimum Balance	Dividend Rate	APY**	Term
Savings	$5	0.100%	0.100%	N/A
Share Draft		0.050%	0.050%	N/A
Escrow		0.180%	0.180%	N/A
Club Account		0.100%	0.100%	N/A
Custodial/UTTMA		0.200%	0.200%	N/A
IRA Open Deposit (Traditional, Roth, Educational Savings Account)		0.250%	0.250%	N/A
Shipmates Money Market Account 1st Level	$1	0.250%	0.250%	N/A
Shipmates Money Market Account 2nd Level	$5,000	0.250%	0.250%	N/A
Shipmates Money Market Account 3rd Level	$15,000	0.499%	0.500%	N/A
Shipmates Money Market Account 4th Level	$35,000	1.735%	1.750%	N/A
NEW!! Shipmates Money Market Account 5th Level	$150,000	2.956%	3.000%	N/A
Health Savings Account – Share Draft	$1	0.499%	0.500%	N/A

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Certificates

(effective 11/1/2023)

Account Type	Minimum Deposit	Dividend Rate	APY**	Term
Share, Roth, ESA & IRA Certificates	$500	1.489%	1.500%	6 Months
Share, Roth, ESA & IRA Certificates	$500	2.956%	3.000%	12 Months
Share, Roth, ESA & IRA Certificates	$500	3.198%	3.250%	18 Months
Share, Roth, ESA & IRA Certificates	$500	3.440%	3.500%	24 Months
Share, Roth, ESA & IRA Certificates	$500	2.956%	3.000%	36 Months
*SHARE CERTIFICATE SPECIAL (non-IRA): non-renewable. Upon maturity will close to a share account.	$500	4.402%	4.500%	15 Months
*SHARE CERTIFICATE SPECIAL (non-IRA): non-renewable. Upon maturity will close to a share account.	$500	4.498%	4.600%	9 Months
TEEN Certificate Special: $100 to open – restricted deposits to maximum of $1,000. Other restrictions apply. Non-renewable.	$100	9.532%	10.000%	N/A

**APY = Annual Percentage Yield. Rates are subject to change without notice and are not guaranteed.

* = Not applicable for IRA, Roth or ESA Certificates.

Early withdrawal penalties may apply with Certificates.