Investor Relations Locations Rates Contact Personal Business Connect About Log In Rates Loan Rates Deposit Rates Home Connect Resources Rates Pages within Resources Deposit Rates Checking Savings Certificate of Deposit Deposit Accounts Rates As Of November 24, 2021 Checking Checking Deposit Account Name Minimum Deposit To Open Account Minimum Balance to Obtain Annual Percentage Yield Interest Rate % Annual Percentage Yield % Crediting True Local $25 $1 0.05% 0.05% Monthly True Local Premium $100 $1 0.10% 0.10% Monthly NOW Non-Profit $0 $500 0.05% 0.05% Monthly Savings Savings Deposit Account Name Minimum Deposit To Open Account Minimum Balance to Obtain Annual Percentage Yield Interest Rate % Annual Percentage Yield % Crediting Money Market $250 $250-$2,499 0.05% 0.05% Monthly Money Market $250 $2,500 & Over 0.10% 0.10% Monthly True Local Money Market $25,000 $25,000 0.15% 0.15% Monthly Business Money Market $5,000 $5,000 0.15% 0.15% Monthly Passbook $0 $25 0.05% 0.05% Quarterly Statement Savings $0 $25 0.05% 0.05% Monthly Vacation Club $0 $25 0.05% 0.05% Maturity Holiday Club $0 $25 0.05% 0.05% Maturity Putnam Premium $5,000 $5,000-$24,999 0.05% 0.05% Monthly Putnam Premium $5,000 $25,000-$49,999 0.10% 0.10% Monthly Putnam Premium $5,000 $50,000-$99,999 010% 0.10% Monthly Putnam Premium $5,000 $100,000 & Over 0.15% 0.15% Monthly Certificate of Deposit Rates Product Name Minimum Deposit To Open Account Minimum Balance to Obtain Annual Percentage Yield Interest Rate % Annual Percentage Yield % Crediting 3 Month $500 $500 0.10% 0.10% At Maturity 6 Month $500 $500 0.10% 0.10% Quarterly 8 Month $500 $500 0.10% 0.10% Quarterly 1 Year $500 $500 0.15% 0.15% Quarterly 18 Month $500 $500 0.20% 0.20% Quarterly 2 Year $500 $500 0.20% 0.20% Quarterly 30 Month $500 $500 0.30% 0.30% Quarterly 3 Year $500 $500 0.30% 0.30% Quarterly 4 Year $500 $500 0.35% 0.35% Quarterly 5 Year $500 $500 0.45% 0.45% Quarterly Loan Rates Residential Mortgage Rates Rates effective as of November 24, 2021 CONFORMING AND JUMBO LOAN AMOUNTS UP TO ONE MILLION Product Interest Rate % Annual Percentage Rate %**** Points # of Monthly Payments *,*** Payment Factor *,**,*** 10 Year 2.625% 2.644% 0 120 $9.48 15 Year 2.625% 2.638% 0 180 $6.73 20 Year 3.000% 3.010% 0 240 $5.55 30 Year 3.250% 3.257% 0 360 $4.35 CONFORMING AND JUMBO LOAN AMOUNTS UP TO ONE MILLION ALL ADJUSTABLE RATE LOANS FEATURE NO POINTS ADJUSTABLE RATE LOANS - UP TO 30 YEAR MATURITY Product Interest Rate % Annual Percentage Rate % **** # Monthly Fxd Rt Pmts/# Monthly Adj Rt Pmts *,*** Fixed Interest Rate/Adjustable Interest Rate *,*** Payment Factor *,**,*** 3/1 ARM 2.250% 2.842% 36/324 2.500%/3.000% $3.82/$4.18 5/1 ARM 2.500% 2.907% 60/300 2.625%/3.000% $4.02/$4.19 7/1 ARM 2.750% 2.921% 84/276 2.875%/3.000% $4.15/$4.20 10/1 ARM 2.875% 2.960% 120/240 3.000%/3.000% $4.22/$4.21 Disclaimer Deposit Rates disclaimer Note: All Checking and Savings rates are variable and subject to change. Interest compounds daily. Penalties may be imposed for early withdrawal on CD's. Fees could reduce the earnings on the account, if applicable. Loan Rates disclaimer Rates are accurate as of today’s date and are subject to change without notice. *Payments shown do not include amounts for taxes and insurance. **To calculate the monthly payment divide the desired loan amount by 1000 then multiply the quotient to the payment factor. ***After the initial period, the ARM rates and payments are based on today’s index plus a 2.875% margin. The loans are subject to a 2% adjustment with a 6% lifetime cap. ****Annual Percentage Rate based on loan amount of $500,000.00 and no PMI. Assumptions subject to change without notice: Owner occupied single family residence Free 60 day rate lock from application All loans subject to credit approval and pricing For loan amounts over one million, please contact us for pricing Construction to Perm, Condominium, Co-op, 2-4 Family Residence, Jumbo and Investment Property loans are also available. Contact one of our mortgage representatives for available rates and terms. 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