All Rates

Deposit Rates

Savings

Effective Date: July 21, 2026

Product Type	Minimum Balance**	Dividend Rate	APY*	Dividend Period	Term**
IRA Fixed Certificates	$500	3.58%	3.65%	Q	1 Year
IRA Fixed Certificates	$500	3.14%	3.19%	Q	2 Year
IRA Fixed Certificates	$500	3.15%	3.20%	Q	3 Year
IRA Fixed Certificates	$500	3.30%	3.36%	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	0.08%	0.08%	M	Day In/Day Out
High-Tide Checking (Money Market)	$2,500 - $24,999	0.59%	0.59%	M	Day In/Day Out
High-Tide Checking (Money Market)	$25,000 - $99,999	1.18%	1.19%	M	Day In/Day Out
High-Tide Checking (Money Market)	$100,000+	1.53%	1.55%	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 July 21, 2026

Certificates

Effective Date: July 21, 2026

Type	Minimum Deposit	Dividend Rate	APY	Dividend Period	Term**
Share Certificates	$500	3.52%	3.58%	M	6 months**
Share Certificates	$500	3.50%	3.56%	M	1 year**
Share Certificates	$500	3.06%	3.10%	M	2 years**
Share Certificates	$500	3.07%	3.11%	M	3 years**
Share Certificates	$500	3.05%	3.10%	M	4 years**
Share Certificates	$500	3.22%	3.28%	M	5 years**
Jumbo Certificates	*$100,000	3.60%	3.67%	M	1 year **
Jumbo Certificates	*$100,000	3.16%	3.21%	M	2 years **
Jumbo Certificates	*100,000	3.17%	3.22%	M	3 years **
Jumbo Certificates	*100,000	3.15%	3.20%	M	4 years **
Jumbo Certificates	*100,000	3.32%	3.38%	M	5 years **

Loan Rates

Vehicle Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	3.17%	3.42%	3.92%	4.22%	12.92%	14.02%
37-48 Months	3.42%	3.92%	4.22%	4.92%	14.02%	14.32%
49-60 Months	3.92%	4.22%	4.92%	6.42%	14.32%	14.92%
61-75 Months	4.22%	4.92%	6.42%	6.67%	14.92%	15.42%
76-84 Months	4.92%	6.42%	6.67%	6.62%	15.42%	15.92%
Rates Effective June 30, 2026

Motorcycle Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	5.67%	5.92%	6.27%	6.42%	12.92%	14.02%
37-48 Months	5.92%	6.27%	6.42%	6.47%	14.02%	14.32%
49-60 Months	6.27%	6.42%	6.67%	6.92%	14.32%	14.93%
Rates Effective June 30, 2026

New and Used Camper/RV Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-180 Months	6.67%	7.27%	7.47%	8.43%	14.92%	15.92%

New and Used Boat Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-84 Months	6.67%	7.27%	7.47%	8.43%	14.92%	15.92%

New and Used Farm Equipment Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-72 Months	5.07%	5.17%	5.42%	5.67%	5.92%	14.92%

Share Secured Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

CD Secured Loans

Effective Date: July 21, 2026

*APR = Annual Percentage Rate

*APR	Product Type
3% Above Rate	Certificate Secured
6.50%	Certificate Secured Visa

Signature Loans

Effective Date: July 21, 2026

Visa Card Loans

Effective Date: July 21, 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%