Share Certificates

Effective Date: October 1, 2020

Term	Dividend Rate (Min $500)	APY* (Min $500)
6 Months	.449	.45
12 Months	.75	.75
24 Months	1.00	1.00
36 Months	1.10	1.10
48 Months	1.25	1.25

IRA / ROTH IRA Share Certificates

Term	Dividend Rate (Min $500)	APY* (Min $500)
12 Months	.75	.75
24 Months	1.00	1.00

Money Market Accounts

Tier	Dividend Rate	APY*
$2,500 – 4,999	.15	.15
$5,000 – 9,999	.30	.30
$10,000 – 24,999	.35	.35
$25,000 – 49,999	.45	.45
$50,000 and up	.60	.60

Shares

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
Business $50 - $4,999 $5,000 and above	.15 .30	.15 .30
eChecking**	2.00	2.00
Holiday Club Savings	.30	.30
IRA/ Roth IRA/ Converted Roth IRA/ Educational IRA savings	.75	.75

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

*ANNUAL PERCENTAGE YIELD

** Restrictions may apply