All Rates

Deposit Rates

Savings

Effective Date: June 30, 2026

Product Type	Minimum Balance**	Dividend Rate	APY*	Dividend Period	Term**
IRA Fixed Certificates	$500	3.64%	3.71%	Q	1 Year
IRA Fixed Certificates	$500	3.46%	3.52%	Q	2 Year
IRA Fixed Certificates	$500	3.22%	3.27%	Q	3 Year
IRA Fixed Certificates	$500	3.32%	3.38%	Q	5 Year
Regular Savings	$100 - $2000	0.08%	0.08%	Q	Day In/Day Out
Regular Shares	$2,001+	0.16%	0.16%	Q	Day In/Day Out
Special Savings	$100	0.08%	0.08%	Q	3 Months
Regular Checking	$250	0.03%	0.03%	M	Day In/Day Out
High-Tide Checking (Money Market)	$2,500 - $24,999	0.83%	0.83%	M	Day In/Day Out
High-Tide Checking (Money Market)	$25,000 - $99,999	1.65%	1.66%	M	Day In/Day Out
High-Tide Checking (Money Market)	$100,000+	1.57%	1.58%	M	Day In/Day Out
APY = Annual Percentage Yield *There may be a penalty for early withdrawal for: 1. Early withdrawal or 2. Not maintaining a minimum balance Rates Effective June 30, 2026

Certificates

Effective Date: June 30, 2026

Type	Minimum Deposit	Dividend Rate	APY	Dividend Period	Term**
Share Certificates	$500	3.54%	3.60%	M	6 months**
Share Certificates	$500	3.56%	3.63%	M	1 year**
Share Certificates	$500	3.38%	3.44%	M	2 years**
Share Certificates	$500	3.14%	3.19%	M	3 years**
Share Certificates	$500	3.16%	3.21%	M	4 years**
Share Certificates	$500	3.24%	3.30%	M	5 years**
Jumbo Certificates	*$100,000	May add 0.10% to regular certificate rate.	—	—	*Subject to Early Withdrawal Penalty
May Add .10% To Regular Certificate Rate *Subject to early withdrawal penalty Rates Effective June 30, 2026

Loan Rates

Vehicle Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	2.97%	3.22%	3.72%	4.02%	12.72%	13.82%
37-48 Months	3.22%	3.72%	4.02%	4.72%	13.82%	14.12%
49-60 Months	3.72%	4.02%	4.72%	6.22%	14.12%	14.72%
61-75 Months	4.02%	4.72%	6.22%	6.47%	14.72%	15.22%
76-84 Months	4.72%	6.22%	6.47%	6.72%	15.22%	15.72%
Rates Effective June 30, 2026

Motorcycle Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	5.47%	5.72%	6.07%	6.22%	12.72%	13.82%
37-48 Months	5.72%	6.07%	6.22%	6.47%	13.82%	14.12%
49-60 Months	6.07%	6.22%	6.47%	6.72%	14.12%	14.73%
Rates Effective June 30, 2026

New and Used Camper/RV Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-180 Months	6.47%	7.07%	7.27%	8.23%	14.72%	15.72%
Rates Effective June 30, 2026

New and Used Boat Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-84 Months	6.47%	7.07%	7.27%	8.23%	14.72%	15.72%
Rates Effective June 30, 2026

New and Used Farm Equipment Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-72 Months	4.87%	4.97%	5.22%	5.47%	5.72%	14.72%
Rates Effective June 30, 2026

Share Secured Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

CD Secured Loans

Effective Date: June 30, 2026

*APR = Annual Percentage Rate

*APR
3% Over CD Rate
Rates Effective June 30, 2026

Signature Loans

Effective Date: June 30, 2026

Amount	Rate
Up to $25,000	As Low As 7.88%
Rates Effective June 30, 2026

Visa Card Loans

Effective Date: June 30, 2026

Home Equity Rates

Effective Date: June 30, 2026

Name	Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*
1st Lien Homestead	5 Years	6.25%	6.50%	6.75%	7.00%	7.50%
	10 Years	6.50%	6.75%	7.00%	7.50%	7.75%
	15 Years	6.75%	7.00%	7.50%	7.75%	8.00%
	20 Years	7.00%	7.50%	7.75%	8.00%	8.25%
	30 Years	7.50%	7.75%	8.00%	8.25%	8.50%
2nd Lien Homestead	5 Years	7.00%	7.50%	7.75%	8.00%	8.25%
	10 Years	7.50%	7.75%	8.00%	8.25%	8.50%
	15 Years	7.75%	8.00%	8.25%	8.50%	8.75%
	20 Years	8.00%	8.25%	8.50%	8.75%	9.00%