All Rates

Deposit Rates

Savings

Effective Date: February 24, 2026

Product Type	Minimum Balance**	Dividend Rate	APY*	Dividend Period	Term**
IRA Variable Savings	$100	0.20%	0.20%	M	1 Month
IRA Fixed Certificates	$500	3.50%	3.56%	Q	1 Year
IRA Fixed Certificates	$500	3.17%	3.22%	Q	2 Year
IRA Fixed Certificates	$500	3.17%	3.22%	Q	3 Year
IRA Fixed Certificates	$500	3.12%	3.17%	Q	5 Year
Regular Savings	$100 - $2000	0.07%	0.07%	Q	Day In/Day Out
Regular Shares	$2,001+	0.13%	0.13%	Q	Day In/Day Out
Special Savings	$100	0.07%	0.07%	Q	3 Months
Regular Checking	$250	0.04%	0.04%	M	Day In/Day Out
High-Tide Checking (Money Market)	$2,500 - $24,999	0.70%	0.70%	M	Day In/Day Out
High-Tide Checking (Money Market)	$25,000 - $99,999	1.40%	1.41%	M	Day In/Day Out
High-Tide Checking (Money Market)	$100,000+	1.55%	1.56%	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 February 24, 2026

Certificates

Effective Date: February 24, 2026

Type	Minimum Deposit	Dividend Rate	APY	Dividend Period	Term**
Share Certificates	$500	3.29%	3.34%	M	6 months**
Share Certificates	$500	3.42%	3.48%	M	1 year**
Share Certificates	$500	3.09%	3.14%	M	2 years**
Share Certificates	$500	3.09%	3.14%	M	3 years**
Share Certificates	$500	3.07%	3.12%	M	4 years**
Share Certificates	$500	3.04%	3.08%	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 February 24, 2026

Loan Rates

Vehicle Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	3.31%	3.56%	4.06%	4.36%	13.06%	14.16%
37-48 Months	3.56%	4.06%	4.36%	5.06%	14.16%	14.46%
49-60 Months	4.06%	4.36%	5.06%	6.56%	14.46%	15.06%
61-75 Months	4.36%	5.06%	6.56%	6.81%	15.06%	15.56%
76-84 Months	5.06%	6.56%	6.81%	7.06%	15.56%	16.06%
Rates Effective February 24, 2026

Motorcycle Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-36 Months	5.81%	6.06%	6.41%	6.56%	13.06%	14.16%
37-48 Months	6.06%	6.41%	6.56%	6.81%	14.16%	14.46%
49-60 Months	6.41%	6.56%	6.81%	7.06%	14.46%	15.07%
Rates Effective February 24, 2026

New and Used Camper/RV Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-180 Months	6.81%	7.41%	7.61%	8.57%	15.06%	16.06%
Rates Effective February 24, 2026

New and Used Boat Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-84 Months	6.81%	7.41%	7.61%	8.57%	15.06%	16.06%
Rates Effective February 24, 2026

New and Used Farm Equipment Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

Term	A+ Credit*	A Credit*	B Credit*	C Credit*	D Credit*	E Credit*
0-72 Months	5.21%	5.31%	5.56%	5.81%	6.06%	15.06%
Rates Effective February 24, 2026

Share Secured Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

CD Secured Loans

Effective Date: February 24, 2026

*APR = Annual Percentage Rate

*APR
3% Over CD Rate
Rates Effective February 24, 2026

Signature Loans

Effective Date: February 24, 2026

Amount	Rate
Up to $25,000	As Low As 8.22%
Rates Effective February 24, 2026

Visa Card Loans

Effective Date: February 24, 2026

Home Equity Rates

Effective Date: February 24, 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%