Interest Rates -

For more information regarding the following rates and terms please contact a customer service representative at any of our convenient locations. Any fees incurred could reduce earnings.

Starting November 1, 2019
*APY = Annual Percentage Yield
APY is compounded Monthly unless otherwise noted with (**).

Account Title	Term	*APY	Interest Rate	Minimum Balance To Open & Earn APY
Passbook Savings**	N/A	0.05	0.05	10.00
Regular NOW	N/A	0.05	0.05	1,000.00
Super NOW	N/A	0.05	0.05	2,000.00
Business Checking Plus	N/A	0.10	0.10	50.00
Money Market Plus	N/A	0.10	0.10	5,000.00
Public Fund MM+ Investment	N/A		Please Call	100,000.00
More information on these products: Savings click here, Now Checking click here, Money Markets click here. Interest is compounded Monthly unless otherwise notated. **Interest is compounded Quarterly.

Account Title	Term	*APY	Interest Rate	Minimum Balance
Liberty Money Market Tier 1	N/A	0.25	0.25	50,000 & Over
Tier 2	N/A	0.20	0.20	25,000- 49,999.99
Tier 3	N/A	0.15	0.15	10,000-24,999.99
Tier 4	N/A	0.05	0.05	1.00-9,999.99
A Liberty Money Market earns higher interest as each tier's minimum balance is met. More information click here.

Account Title	Term	*APY	Interest Rate	Minimum Balance To Open & Earn APY
18 Month Variable IRA	N/A	0.35	0.35	25.00
IRA Savings Passbook**	N/A	0.10	0.10	10.00
HSA Accounts	N/A	0.10	0.10	N/A
More information on IRA click here. More information on HSA click here. The CD interest rates can also apply to IRA accounts. **Interest is compounded Quarterly.

Account Tile	Term	*APY	Interest Rate	Minimum Balance To Open & Earn APY
Certificates of Deposit	30-89 Days	0.40	0.40	500.00
Certificates of Deposit	90-179 Days	0.45	0.45	500.00
Certificates of Deposit	6 Months	0.55	0.55	500.00
Certificates of Deposit	One Year	0.85	0.85	500.00
Certificates of Deposit	Two Years	1.16	1.15	500.00
Certificates of Deposit	Three Years	1.41	1.40	500.00
Certificates of Deposit	Four Years	1.61	1.60	500.00
Certificates of Deposit	Five Years	1.92	1.90	500.00
More information on CD's The CD interest rates can also apply to IRA accounts. Withdrawal Penalties for accounts opened after 10-1-19 A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less. B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months. C. Equal to 12 months interest for accounts with maturity of 48 months or greater (Note: These are minimum required penalties.) (Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

Account Title / CD specials	Term	*APY	Interest Rate	Minimum Balance To open & Earn APY
Performance Plus Add On CD	13 Month	0.85	0.85	5,000.00
Performance Plus Add On CD	18 Month	1.16	1.15	2,000.00
Performance Plus Add On CD	30 Month	1.26	1.25	2,000.00
Additional deposits can be made in the amount of $100.00 or more; however, the aggregate total of the deposits can not exceed the original amount of the certificate. More information on CD's click here. The CD interest rates can also apply to IRA accounts. Withdrawal Penalties for accounts opened after 10-1-19 A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less. B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months. C. Equal to 12 months interest for accounts with maturity of 48 months or greater (Note: These are minimum required penalties.) (Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

Account Title	Term	*APY	Interest Rate	Minimum Balance To Open & Earn APY
JUMBO CD INTEREST RATES	30 Days	0.45	0.45	100,000.00
JUMBO CD INTEREST RATES	60 Days	0.45	0.45	100,000.00
JUMBO CD INTEREST RATES	90 Days	0.45	0.45	100,000.00
JUMBO CD INTEREST RATES	120 Days	0.50	0.50	100,000.00
JUMBO CD INTEREST RATES	6 Months	0.65	0.65	100,000.00
JUMBO CD INTEREST RATES	1 Year	0.95	0.95	100,000.00
JUMBO CD INTEREST RATES	2 Year	1.26	1.25	100,000.00
JUMBO CD INTEREST RATES	3 Year	1.61	1.60	100,000.00
JUMBO CD INTEREST RATES	4 Year	1.71	1.70	100,000.00
JUMBO CD INTEREST RATES	5 Year	2.02	2.00	100,000.00
The CD interest rates can also apply to IRA accounts. More information on CD's click here. Withdrawal Penalties for accounts opened after 10-1-19 A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less. B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months. C. Equal to 12 months interest for accounts with maturity of 48 months or greater (Note: These are minimum required penalties.) (Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

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