Effective Date – December 1, 2019
SHARE TYPES
| Account Type | Minimum Dividend Earning Amount |
Dividend Rate |
APY* | Stipulations |
| Regular Shares | $25-$999.99 | .05 | .05 | Minimum $5 to open an account |
| Regular Shares | $1,000-4,999.99 | .10 | .10 | Minimum $5 to open an account |
| Regular Shares | $5,000-24,999.99 | .15 | .15 | Minimum $5 to open an account |
| Regular Shares | $25,000+ | .18 | .18 | Minimum $5 to open an account |
| PMA | $2500-14,999.99 | .25 | .25 | See disclosure for additional information |
| PMA | $15,000-$29,999.99 | .40 | .40 | See disclosure for additional information |
| PMA | $30,000-$74,999.99 | .55 | .55 | See disclosure for additional information |
| PMA | $75,000 + | .65 | .65 | See disclosure for additional information |
| Kirby Kangaroo Club | $25-$999.99 | .05 | .05 | Minimum $5 to open an account |
| Kirby Kangaroo Club | $1,000-4,999.99 | .10 | .10 | Minimum $5 to open an account |
| Kirby Kangaroo Club | $5,000-24,999.99 | .15 | .15 | Minimum $5 to open an account |
| Kirby Kangaroo Club | $25,000+ | .18 | .18 | Minimum $5 to open an account |
| IRA (Traditional, Roth) | $25 + | 1.00 | 1.00 | Minimum $5 to open an account |
| ESA (Coverdell) | $25 + | 1.14 | 1.15 | Minimum $5 to open an account |
| Christmas Club | $25 + | .20 | .20 | Minimum $5 to open an account |
| Vacation Club | $25-$999.99 | .05 | .05 | Minimum $5 to open an account |
| Vacation Club | $1,000-4,999.99 | .10 | .10 | Minimum $5 to open an account |
| Vacation Club | $5,000-24,999.99 | .15 | .15 | Minimum $5 to open an account |
| Vacation Club | $25,000+ | .18 | .18 | Minimum $5 to open an account |
Effective Date – March 17, 2020
SHARE CERTIFICATE RATES
| Term | Amount | Dividend Rate | APY* |
| 6-11 Months | $2500 + | 1.05 | 1.05 |
| 12 Month | $2500 + | 1.49 | 1.50 |
| 24 Month | $2500 + | 1.74 | 1.75 |
| 36 Month | $2500 + | 1.79 | 1.80 |
| 48 Month | $2500 + | 1.94 | 1.95 |
| 12-Month Save to Win |
$25 + | .25 | .25 |
Rates subject to change without notice. Certificate rates and yields are based on a quarterly dividend.
*APY = Annual Percentage Yield
