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Rates Sheet

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Savings Accounts

It's never too late to start saving for tomorrow

Annual Percentage Yield and Interest Rates Effective as of September 14th, 2022.

Certificate of Deposit Minimum
Opening
Balance 		Annual
Percentage
Yield (APY) 		Interest
Rate
6 Month Term $1,000.00 0.85% 0.85%
1 Year Term $1,000.00 0.90% 0.90%
2 Year Term $1,000.00 1.11% 1.10%
3 Year Term $1,000.00 1.21% 1.20%

Minimum balance of $1,000.00 required to earn disclosed APY using daily balance method
Interest on above accounts will be compounded monthly and credited monthly
The daily balance method is used to calculate interest on the account
A penalty may be imposed for early withdrawal Fees imposed could affect the earnings on the account


Money Market - Checking Minimum
Opening
Balance 		Annual
Percentage Yield (APY) 		Interest
Rate
Balance less than $1,800.00 $1,800.00 0.00% 0.00%
Balance of $1,800.00 to $74,999.99 $1,800.00 0.25% 0.25%
Balance of $75,000.00 and above $1,800.00 0.30% 0.30%

Senior Money Market - Checking* Minimum
Opening
Balance 		Annual
Percentage Yield (APY) 		Interest
Rate
Balance less than $1,800.00 $1,800.00 0.00% 0.00%
Balance of $1,800.00 to $74,999.99 $1,800.00 0.30% 0.30%
Balance of $75,000.00 and above $1,800.00 0.35% 0.35%

Minimum balance of $1,800.00 required to earn disclosed APY using daily balance method
Interest on above accounts will be compounded monthly and credited monthly
The daily balance method is used to calculate interest on the account Variable Rate -
Interest rates and APY may change at any time after account opening Fees imposed could affect the earnings on the account
*Eligibility: Customer must be 55 years of age or older to open this account


NOW Account - Checking Minimum
Opening
Balance 		Annual
Percentage Yield (APY) 		Interest
Rate
Balance of $1000.00 and above $1,000.00 0.15% 0.15%
Balance less than $1,000.00 $1,000.00 0.00% 0.00%


Golden NOW Account - Checking* Minimum
Opening
Balance 		Annual
Percentage Yield (APY) 		Interest
Rate
Balance of $1000.00 and above $1,000.00 0.20% 0.20%
Balance less than $1,000.00 $1,000.00 0.00% 0.00%

Minimum balance of $1,000.00 required to earn disclosed APY using daily balance method
Interest on above accounts will be compounded monthly and credited monthly
The daily balance method is used to calculate interest on the account Variable Rate -
Interest rates and APY may change at any time after account opening Fees imposed could affect the earnings on the account
*Eligibility: Customer must be 55 years of age or older to open this account


Savings Account Minimum
Opening
Balance 		Annual
Percentage Yield (APY) 		Interest
Rate
Balance of $50.00 and above $50.00 0.20% 0.20%
Balance less than $50.00 $50.00 0.00% 0.00%

Minimum balance of $50.00 required to earn disclosed APY using daily balance method
Interest on above accounts will be compounded monthly and credited monthly
The daily balance method is used to calculate interest on the account
Variable Rate - Interest rates and APY may change at any time after account opening Fees
imposed could affect the earnings on the account


Please contact a bank representative for additional information on the above rates at (575)769-1975