Share Certificate Rates

  
            Share Certificate Type and

            Minimum Balance to Earn Dividends***
        
            Fixed Term****
        
            Dividend Rate
        
            Annual Yield*****
         
        Regular Share Certificate
Minimum $1,000
        6 mos.
        3.75%
        3.815%
    
        12 mos.
        3.65%
        3.712%
    
        24 mos.
        3.00%
        3.042%
    
        36 mos.
        2.60%
        2.631%
    
        48 mos.
        2.15%
        2.171%
    
        60 mos.
        2.30%
        2.324%
    
        Super Share Certificate
Minimum $25,000
        6 mos.
        3.75%
        3.815%
    
        12 mos.
        3.65%
        3.712%
    
        24 mos.
        3.00%
        3.042%
    
        36 mos.
        2.60%
        2.631%
    
        48 mos.
        2.15%
        2.171%
    
        60 mos.
        2.30%
        2.324%
    
        Jumbo Share Certificate
Minimum $50,000
        6 mos.
        3.75%
        3.815%
    
        12 mos.
       3.65%
        3.712%
    
        24 mos.
        3.00%
        3.042%
    
        36 mos.
        2.60%
        2.631%
    
        48 mos.
        2.15%
        2.171%
    
        60 mos.
        2.30%
        2.324%
    
        Kirby Kangaroo Share Certificate (Kids 0 to 12)
Minimum $100
        6 mos.
        3.75%
        3.815%
    
        12 mos.
        3.65%
        3.712%
    
        24 mos.
        3.00%
        3.042%
    
        36 mos.
        2.60%
        2.631%
    
        48 mos.
        2.15%
        2.171%
    
        60 mos.
        2.30%
        2.324%
    
        CU Succeed Share Certificate (Teens 13 to 18)
Minimum $100
        6 mos.
        3.75%
        3.815%
    
        12 mos.
        3.65%
        3.712%
    
        24 mos.
        3.00%
        3.042%
    
        36 mos.
        2.60%
        2.631%
    
        48 mos.
        2.15%
        2.171%
    
        60 mos.
        2.30%
        2.324%

All Share Certificates are subject to penalty for withdrawal before maturity.

*** You must maintain a Share account with the minimum required balance for the life of the Share Certificates.

**** After your Share Certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

***** Annual Percentage Yield is accurate as of the effective date stated. These rates may change at any time without prior notice.

Rates Effective: December 17, 2025