Rates

Term	Minimum	Dividend Rate	APY**
3-Month Certificate	$1,000.00	1.00%	1.00%
6-Month Certificate	$1,000.00	1.99%	2.00%
1-Year Certificate	$1,000.00	2.18%	2.20%
15-Month Certificate	$1,000.00	2.18%	2.20%
18-Month Certificate	$1,000.00	2.23%	2.25%
21-Month Certificate	$1,000.00	2.33%	2.35%
2-Year Certificate	$1,000.00	2.33%	2.35%
30-Month Certificate	$1,000.00	3.02%	3.05%
3-Year Certificate	$1,000.00	2.67%	2.70%
4-Year Certificate	$1,000.00	2.77%	2.80%
5-Year Certificate	$1,000.00	2.97%	3.00%
1-Year Youth Certificate - 18 & Under	$250.00	2.18%	2.20%

Traditional and Roth IRAs are available on select Term CDs.

Description	Deposit to open	Balance to earn dividends	Rate	APY**
Regular Share (Savings)	$5.00	$250.00	0.04%	0.04%
Captain Cash Savings	$5.00	$5.00	0.04%	0.04%
Genesis Savings	$5.00	$100.00	0.04%	0.04%
Individual Retirement Account	None	$250.00	0.04%	0.04%
Holiday/Vacation Club	None	$250.00	0.04%	0.04%
Money Market - Tier 1	None	$2,500 - $9,999	0.20%	0.20%
Money Market - Tier 2	None	$10,000 & Over	0.30%	0.30%

Description	Term	APR* Range
New Vehicle - less than 20,000 miles 2024 and newer	Up to 60 Months	5.89% - 13.89%
New Vehicle - less than 20,000 miles 2024 and newer (loan amount greater than $20,000.00)	Up to 72 Months	6.39% - 14.39%
Used Vehicle - 2019 - 2023 models	Up to 60 Months	6.49% - 14.49%
Used Vehicle - 2016 - 2018 models	Up to 48 Months	7.49% - 15.49%
Used Vehicle - 2013 - 2015 models	Up to 36 Months	10.39% - 18.39%
New Motorcycles 2024 and newer	Up to 60 Months	8.69% - 16.69%
New Motorcycles 2024 and newer (loan amount greater than $25,000.00)	Up to 72 Months	9.69% - 17.69%
Used Motorcycle	Up to 60 Months	9.99% - 17.99%
New Boat	Up to 60 Months	8.89% - 16.89%
New Boat	Up to 72 Months	10.29% - 18.29%
Used Boat 2019 - 2023	Up to 60 Months	9.79% - 17.79%
New Camper/RV 2024 and newer	Up to 60 Months	9.39% - 17.39%
New Camper/RV 2024 and newer (loan amount greater than $25,000.00)	Up to 72 Months	10.59% - 18.59%
Used Camper/RV 2019 - 2023	Up to 60 Months	10.39% - 18.39%
Non-Licensed Vehicles	Up to 60 Months	11.19% - 19.19%

Description	Term	APR* Range
Signature Loan	36 Months	13.09% - 21.09%
Home Improvement Loan	Max 42 Months	12.50% - 15.00%