Savings/Certificate Rates

| Savings Rates | Youth Clubs Rates | Checking Rates | Christmas Club Rates | Other Savings Rates | IRA/Roth IRA Savings Rates | Save-to-Win Certificate Rates|Regular & IRA Certificate Rates | Mini Jumbo & Mini Jumbo IRA Certificate Rates | Jumbo & Jumbo IRA Certificate Rates |

Membership Savings Dividend Rate APY*
$25  – $999.99 0.30% 0.30%
$1,000 – $9,999.99 0.30% 0.30%
$10,000 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.40% 0.40%
$100,000 and above 0.45% 0.45%
Kirby Kangaroo Club
Claim Your Youth Club		  Dividend Rate  APY*
$25  – $999.99 0.30% 0.30%
$1,000 – $9,999.99 0.30% 0.30%
$10,000 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.40% 0.40%
$100,000 and above 0.45% 0.45%
Checking  Dividend Rate  APY*
$0.01 and above 0.25% 0.25%
Christmas Club  Dividend Rate  APY*
$0.01 and above 0.75% 0.75%
Other Savings  Dividend Rate APY*
$25  – $999.99 0.30% 0.30%
$1,000 – $9,999.99 0.30% 0.30%
$10,000 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.40% 0.40%
$100,000 and above 0.45% 0.45%
IRA/Roth IRA Savings  Dividend Rate  APY*
$0.01 and above 1.00% 1.00%

*APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time without notice.

Save-to-Win Certificate Minimum Dividend Rate APY*
12 Month $25 1.45% 1.46%
Regular & IRA Certificates Minimum** Dividend Rate APY*
3 Month $500 0.40% 0.40%
6 Month $500 1.05% 1.05%
12 Month $500 1.55% 1.56%
18 Month $500 1.70% 1.71%
24 Month $500 1.85% 1.87%
36 Month $500 2.15% 2.17%
48 Month $500 2.25% 2.27%
60 Month $500 2.40% 2.43%
Mini Jumbo & Mini Jumbo
IRA Certificate 		 Minimum  Dividend Rate APY*
3 Month $10,000 0.45% 0.45%
6 Month $10,000 1.10% 1.11%
12 Month $10,000 1.65% 1.66%
18 Month $10,000 1.80% 1.82%
24 Month $10,000 1.95% 1.97%
36 Month $10,000 2.25% 2.27%
48 Month $10,000 2.35% 2.38%
60 Month $10,000 2.50% 2.53%
Jumbo & Jumbo IRA Certificates  Minimum  Dividend Rate APY*
3 Month $50,000 0.50% 0.50%
6 Month $50,000 1.15% 1.15%
12 Month $50,000 1.75% 1.76%
18 Month $50,000 1.90% 1.92%
24 Month $50,000 2.05% 2.07%
36 Month $50,000 2.35% 2.38%
48 Month $50,000 2.45% 2.48%
60 Month $50,000 2.60% 2.63%

*APY = Annual Percentage Yield. Dividends are accrued daily and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal on term share accounts. Fees may reduce earnings. Rates are subject to change at any time without notice. Members age 55+ receive a 0.15% bonus dividend above the current rate.
**Kirby Kangaroo Club and Claim Your Youth Club Members can open Regular and IRA Certificates with a minimum deposit of $250.
***Non-renewable Certificate, not offered as an IRA.