Share Certificates

Effective Date: October 23, 2018

Term	Dividend Rate (Min $1000)	APY* (Min $1000)
6 Months	1.55	1.55
12 Months	2.20	2.20
24 Months	2.80	2.80
36 Months	3.10	3.10
48 Months	3.30	3.30

IRA / ROTH IRA Share Certificates

Term	Dividend Rate (Under $50,000)	APY* (Under $50,000)	Dividend Rate ($50,000+)	APY* ($50,000+)
12 Months	2.20	2.20	2.20	2.20
24 Months	2.80	2.80	2.80	2.80

Money Market Accounts

Tier	Dividend Rate	APY*
$2,500 – 4,999	.25	.25
$5,000 – 9,999	.40	.40
$10,000 – 24,999	.50	.50
$25,000 – 49,999	.60	.60
$50,000 and up	.75	.75

Shares

Account Type	Dividend Rate	APY*
Regular Shares & Secondary Shares $50 - $4,999 $5,000 and above	0.25 .50	0.25 .50
MAC Kids Club	.50	.50
Business $50 - $4,999 $5,000 and above	.25 .50	.25 .50
MAC Teen Account	.50	.50
eChecking**	1.98	2.00
Holiday Club Savings	.50	.50
IRA/ Roth IRA/ Converted Roth IRA/ Educational IRA savings	1.00	1.00

Rates for $100,000 and over may be quoted separately

*ANNUAL PERCENTAGE YIELD

** Restrictions may apply