Rates

Share Certificates

Effective Date: July 15, 2025

Term	Dividend Rate (Min $500)	APY* (Min $500)
6 Months	3.65	3.67
12 Months	4.15	4.15
18 Months	4.23	4.19
24 Months	2.79	2.79
36 Months	2.69	2.69
48 Months	2.29	2.29

IRA / ROTH IRA Share Certificates

Effective: July 15, 2025

Term	Dividend Rate (Min $500)	APY* (Min $500)
12 Months	3.99	3.99
24 Months	4.29	4.29

Money Market Accounts

Effective: July 15, 2025

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: July 15, 2025

Account Type	Dividend Rate	APY*
Regular Shares & Secondary Shares $50 – $4,999 $5,000 and above	.15 .30	.15 .30
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
Business Accounts
Business Share Savings $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