dividend rates

Other

Certificate Special
Effective Date: July 07, 2021
Type			Dividend Rate	APY
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. Contact us for business share certificate specials.

IRA Certificate Special
Effective Date: July 07, 2021
Type			Dividend Rate	APY
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account.

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Arkansas

Certificate Special
Effective Date: July 07, 2021
Type			Dividend Rate	APY
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Indiana

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Michigan

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Nevada

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

North Carolina

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Ohio

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Oklahoma

Liquid Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
12 Month	$2,500	$250,000	0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate
Effective Date: July 07, 2021
Type	Minimum Amount	Maximum Amount	Dividend Rate	APY
36 Month	$500	$1,000,000	0.449%	0.45%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum
Effective Date: July 07, 2021
Type			Dividend Rate	APY
60 Months			0.698%	0.70%
48-59 Months			0.599%	0.60%
36-47 Months			0.499%	0.50%
24-35 Months			0.399%	0.40%
18-23 Months			0.300%	0.30%
12-17 Months			0.200%	0.20%
6-11 Months			0.150%	0.15%
3-5 Months			0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$1,000			0.050%	0.05%
$100,000			0.100%	0.10%
$250,000			0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.100%	0.10%
$1,000			0.200%	0.20%
$10,000			0.300%	0.30%
$25,000			0.399%	0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: July 07, 2021
Minimum Amount			Dividend Rate	APY
$0			0.000%	0.00%
$1,000			0.100%	0.10%
$100,000			0.200%	0.20%
$250,000			0.300%	0.30%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: July 07, 2021
Term			Dividend Rate	APY
Membership Savings1,2			0.050%	0.05%
Achiever Savings3			0.100%	0.10%
Holiday Club			0.050%	0.05%
Youth Savings1			0.050%	0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
Base Rate	$0		0.050%	0.05%
Reward Rate	$0		2.911%	2.95%
TOTAL Rate	$0		2.961%	3.00%
Base Rate	Over $15,000		0.100%	0.10%
Reward Rate	Over $15,000		0.000%	0.00%
TOTAL Rate	Over $15,000		0.100%	0.10%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking
Effective Date: July 07, 2021
Account Type	Minimum Amount		Dividend Rate	APY
	$1,000		0.100%	0.10%
	$100,000		0.150%	0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.