Deposit Rates – St. Jean's Credit Union

Term Certificate Specials

Term	Dividend Rate	APY*
5 Month CD SPECIAL	3.93%	4.00%
13 Month CD SPECIAL	4.03%	4.10%
13 Month IRA SPECIAL	4.03%	4.10%

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. You will be subject to a penalty for early withdrawal. Rates remain fixed for the term of the certificate. Fees may reduce earnings. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. Rates quoted above are accurate as of 09/01/2026 and are subject to change without notice. The 5 month APY assumes that the funds will remain on deposit for 1 year and will roll over to the 6 month rate at maturity. 13 month CD will roll over to 1 year CD at maturity. Minimum deposit to open and earn interest $500.

Term Certificate Rates

Term	Dividend Rate	APY*
3 Months	1.93%	1.95%
6 Months	1.98%	2.00%
9 Months	2.13%	2.15%
1 Year	2.77%	2.80%
18 Months	2.91%	2.95%
2 Years	3.06%	3.10%
3 Years	3.15%	3.20%
1 Year IRA	2.86%	2.90%
18 Month IRA	3.01%	3.05%
2 Year IRA	3.15%	3.20%
3 Year IRA	3.40%	3.45%

* APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. You will be subject to a penalty for early withdrawal. Rates remain fixed for the term of the certificate. Fees may reduce earnings. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. Rates quoted above are accurate as of 09/01/2026 and are subject to change without notice. Minimum deposit to open and earn interest $500.

Share Savings Rates

Account Type	Dividend Rate	APY*	Minimum Deposit
Regular Savings	0.10%	0.10%	$25
Club Accounts	0.10%	0.10%	N/A
NOW Accounts	0.05%	0.05%	$400
Mortgage Escrow	0.10%	0.10%	N/A
Money Market	0.30%	0.30%	$2,500
Money Market IRA	0.30%	0.30%	N/A

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Rates are subject to change daily and may change after the account is opened. Fees may reduce earnings. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. The rates quoted above are accurate as of 09/01/2026 and are subject to change without notice.

Super Money Market

Deposit Tiers	Dividend Rate	APY*	Minimum Deposit to earn
$0.00 - $9,999.99	0.00%	0.00%	N/A
$10,000 - $49,999.99	1.24%	1.25%	$10,000
$50,000 - $99,999.99	1.49%	1.50%	$50,000
$100,000 and over	1.74%	1.75%	$100,000

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Rates are subject to change daily and may change after the account is opened. Fees may reduce earnings. If the average daily balance for a statement period falls below $2,500, the dividend for that statement period will be calculated using the applicable regular savings rate. If the average daily balance for a statement period falls below $10,000, the dividend for that statement period will be calculated using the applicable regular money market account rate. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. The rates quoted above are accurate as of 09/01/2026 and are subject to change without notice.

Business Money Market

Deposit Tiers	Dividend Rate	APY*	Minimum Deposit to earn
$0.00 - $9,999.99	0.00%	0.00%	N/A
$10,000 - $49,999.99	1.24%	1.25%	$10,000
$50,000 - $99,999.99	1.49%	1.50%	$50,000
$100,000 and over	1.74%	1.75%	$100,000

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Rates are subject to change daily and may change after the account is opened. Fees may reduce earnings. If the average daily balance for a statement period falls below $2,500, the dividend for that statement period will be calculated using the applicable regular savings rate. If the average daily balance for a statement period falls below $10,000, the dividend for that statement period will be calculated using the applicable regular money market account rate. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. Rates quoted above are accurate as of 09/01/2026 and are subject to change without notice.