Bonus Certificate Rates and Certificates
Bonus Certificates**
Effective Date: Monday, July 28th, 2025
| Term | Dividend Rate | APY† | Minimum daily balance to earn APY |
|---|---|---|---|
| 6 Month | 3.60% | 3.66% | $40,000 |
| 12 Month | 4.03% | 4.10% | $40,000 |
| 24 Month | 3.76% | 3.82% | $40,000 |
| 30 Month | 3.65% | 3.71% | $40,000 |
| 36 Month | 3.70% | 3.76% | $40,000 |
| 48 Month | 3.75% | 3.81% | $40,000 |
| 60 Month | 3.75% | 3.81% | $40,000 |
| 84 Month | 3.50% | 3.55% | $40,000 |
Certificates**
Effective Date: Monday, July 28th, 2025
| Term | Dividend Rate | APY† | Minimum daily balance to earn APY |
|---|---|---|---|
| 6 Month | 3.50% | 3.55% | $2,500 |
| 12 Month | 3.88% | 3.95% | $2,500 |
| YOUth Boost 12-Month | 3.88% | 3.95% | $250 |
| 24 Month | 3.61% | 3.67% | $2,500 |
| 30 Month | 3.50% | 3.55% | $2,500 |
| 36 Month | 3.55% | 3.60% | $2,500 |
| 48 Month | 3.60% | 3.66% | $2,500 |
| 60 Month | 3.60% | 3.66% | $2,500 |
| 84 Month | 3.35% | 3.40% | $2,500 |
**A penalty will or may be imposed for early withdrawal
*If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
†Annual Percentage Yield
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