Deposit Rates

Certificate of Deposit, IRA

Effective date: December 12, 2024

$500 minimum deposit to open all other certificate of deposit. $100 minimum deposit to open checking, money market and savings accounts.

6 Month CD	Interest Rate	APY*
500+	.50	.50
2,500+	.75	.75
2,500 (GO)	2.50	2.52
10,000+	2.50	2.52
25,000+	2.70	2.72
50,000+	2.90	2.92

12 Month CD	Interest Rate	APY*
500+	1.00	1.00
2,500+	1.50	1.50
2,500 (GO)	2.70	2.72
10,000+	2.70	2.72
25,000+	2.90	2.92
50,00+	3.00	3.02

18 Month CD	Interest Rate	APY*
500+	1.00	1.00
2,500+	2.00	2.01
2,500 (GO)	3.00	3.02
10,000+	3.00	3.02
25,000+	3.10	3.12
50,000+	3.30	3.33

24 Month CD	Interest Rate	APY*
500+	1.10	1.10
2,500+	2.25	2.27
2,500 (GO)	3.00	3.02
10,000+	3.00	3.02
25,000+	3.15	3.18
50,000+	3.35	3.38

36 Month CD	Interest Rate	APY*
500+	1.20	1.20
2,500+	2.50	2.52
2,500 (GO)	3.10	3.13
10,000+	3.10	3.13
25,000+	3.20	3.23
50,000+	3.40	3.43

48 Month CD	Interest Rate	APY*
500+	1.30	1.30
2,500+	2.75	2.77
2,500 (GO)	3.15	3.18
10,000+	3.15	3.18
25,000+	3.30	3.33
50,000+	3.50	3.53

60 Month CD	Interest Rate	APY*
500+	1.40	1.40
2,500+	2.90	2.92
2,500 (GO)	3.20	3.23
10,000+	3.20	3.23
25,000+	3.40	3.43
50,000+	3.60	3.63

Step-Up CD Special

36 Month CD	Interest Rate	APY*
10,000+	3.10	3.13

7 Month CD Special

7 Month CD Special	Interest Rate	APY*
10,000+	4.00	4.00

** Option to pay monthly to a USB checking account

Checking, Money Market & Savings Accounts

Effective date: September 23, 2024
$500 minimum deposit to open all other certificate of deposit. $100 minimum deposit to open checking, money market and savings accounts.

Choice Plus Golden Opportunity Business Plus	Interest Rate	APY*
Under 2,000	.07	.07
2,500+	.07	.07
500+ GO	.07	.07
10,000+	.07	.07
25,000+	.07	.07

Money Market	Interest Rate	APY*
Under 2,500	.20	.20
2,500+	.30	.30
10,000+	.70	.70
25,000+	1.00	1.00

Advantage Money Market	Interest Rate	APY*
Under 25,000	.20	.20
25,000+	1.00	1.00
100,000+	1.25	1.25
300,000+	1.50	1.50
500,000+	2.00	2.01
1,000,000+	2.50	2.52

Regular Savings	Interest Rate	APY*
Under 2,500	.20	.20
2,500+	.25	.25
10,000+	.90	.90
25,000+	1.00	1.00

College Plan / Super Saver	Interest Rate	APY
	.70	.70

Health Savings Account	Interest Rate	APY*
	.90	.90

Christmas Club	Interest Rate	APY*
	.70	.70

Burial Trust	Interest Rate	APY*
	.70	.70

*Annual Percentage Yield

The above rates are variable rates and may change, please refer to your account disclosure for information, i.e. frequency of change, determination, balance computation. Checking and money market accounts compound monthly. Saving accounts compound semi-annually. Certificate of Deposit compound semi-annually.

Balance: The amount of principal in the account each day. $2,500 minimum for Golden Opportunity CD. Rate is based on the $10,000 tier. A penalty may be imposed for withdrawal before maturity on any Certificate of Deposit. All Certificate of Deposit rates are fixed and based on the principal balance at time of issue. Interest is based on a 365 day basis, compounding semi- annually, excluding CD Specials. Refer to Account Disclosure for more account details. Additional fees could reduce earnings on the above referenced accounts. Member FDIC