Rates

Share Certificates

Effective Date: October 1, 2024

Term	Dividend Rate (Min $500)	APY* (Min $500)
6 Months	3.95	3.99
12 Months	4.29	4.29
18 Months	4.34	4.29
24 Months	3.25	3.25
36 Months	3.40	3.40
48 Months	2.00	2.00

IRA / ROTH IRA Share Certificates

Effective: October 1, 2024

Term	Dividend Rate (Min $500)	APY* (Min $500)
12 Months	4.50	4.50
24 Months	5.25	5.25

Money Market Accounts

Effective: October 1, 2024

Tier	Dividend Rate	APY*
$2,500 – 49,999	.55	.55
$50,000-99,999	.75	.75
$100,000-249,999	1.00	1.00
$250,000 and above	1.50	1.50

Shares

Effective: October 1, 2024

Account Type	Dividend Rate	APY*
Regular Shares & Secondary Shares $50 - $4,999 $5,000 and above	.15 .30	.15 .30
Business $0 ‐ $99 $100 ‐ $4,999 $5,000 +	.00 .15 .30	.00 .15 .30
Business Draft Plus $0 ‐ $999 $1,000 ‐ $9,999 $10,000 +	.00 .30 .45	.00 .30 .45
Business Money Market $2,500‐ $49,999 $50,000 ‐ $99,999 $100,000-249,999 $250,000 +	.55 .75 1.00 1.50	.55 .75 1.00 1.50
MAC Kids Club	.30	.30
MAC Teen Account	.30	.30
eChecking** (On balances up to $10,000)	2.00	2.00
eChecking** (On balances up to $10,000 if monthly qualifications are NOT met)	.25	.25
eChecking** (On balances over $10,000)	.15	.15
Holiday Club Savings $10,000 max bal.	.30	.30
IRA/ Roth IRA/ Converted Roth IRA/ Educational IRA savings	.75	.75