Rates
Share Certificate & IRA Certificate Rates
Effective Date: 3/08/2024Rates are subject to change without notice. The Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. IRA certificates are available for specific terms over 1 year.
| Minimum Balance | Dividend Rate | Annual % Yield | Term |
|---|---|---|---|
| $1,000.00 | 2.230 | 2.25 | 91 days |
| $1,000.00 | 3.440 | 3.50 | 6 month* |
| $1,000.00 | 3.010 | 3.05 | 1 year |
| $1,000.00 | 3.250 | 3.30 | 18 months |
| $1,000.00 | 3.250 | 3.30 | 2 years |
| $1,000.00 | 3.250 | 3.30 | 3 years |
| $1,000.00 | 3.250 | 3.30 | 4 years** |
| $1,000.00 | 3.250 | 3.30 | 5 years |
| $1000.00 | 4.980 | 5.10 | 8 month* |
| $1000.00 | 4.840 | 4.95 | 13 month* |
*IRA CDs are available for most Share Certificate terms over 1 year. Rates same as above.
*Young Saver’s CD’s have a $250.00 minimum balance. Rates same as above. All terms are open for additional deposits excluding the three month, six month, eight month, and thirteen month for Young Saver’s Club members.
**IRA Certificate not available in 4 year term
Certificate of Deposit Calculator
Deposit Rates
Effective Date: 9/21/2023
Rates are subject to change. Fees may reduce earnings.
Savings Accounts
Membership & Daily Share| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 | 0.10 | 0.10 |
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 to $24,999.99 | 0.20 | 0.20 |
| $25,000.00 and up | 0.30 | 0.30 |
Clubs
Christmas Club| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00-$2000.00 | 2.96 | 3.00 |
| $2000.01 and up | .10 | .10*** |
For Christmas Club accounts, the entire balance will be paid to you by a transfer to a designated account or by check on November 1st and the account will remain open. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club account, you will be assessed a fee as disclosed in the Services Charges and Fees brochure. For Christmas Club accounts, no fee will be charged if the closure occurs within seven (7) days of the date the account is opened. If there is no activity in the account for five years the account will be automatically closed.
***Annual percentage yield is calculated using a range of balances from $2,000.01 to $10,000.00. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $2,000.01.
Vacation Club| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 | 0.10 | 0.10 |
Checking
It Pays To Check With Us| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $250.00 to $24,999.99 | 0.10 | 0.10 |
| $25,000.00 and up | 0.20 | 0.20 |
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 to $249.00 | 0.00 | 0.00 |
| $250.00 to $999.99 | 0.20 | 0.20 |
| $1,000.00 to $24,999.99 | 0.35 | 0.35 |
| $25,000.00 and up | 0.50 | 0.50 |
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 to $999.99 | 0.20 | 0.20 |
| $1,000.00 to $24,999.99 | 0.35 | 0.35 |
| $25,000.00 and up | 0.50 | 0.50 |
Extreme Checking
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 to $500.00 | 3.44 | 3.50* |
| $500.01 and up | 0.10 | 0.10** |
** Annual percentage yield is calculated using a range of balances from $500.01 to $100,000.00. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $500.01. The annual percentage yield (APY) for this tier will be 0.10%. * If your daily balance is $500 or less, the dividend rate paid on the entire balance will be 3.44%, with an annual percentage yield (APY) of 3.50%.
Deluxe Money Market| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 to $4,999.99 | 0.99 | 1.00 |
| $5,000.00 to $24,999.99 | 1.19 | 1.20 |
| $25,000.00 to $49,999.99 | 1.29 | 1.30 |
| $50,000.00 to $149,999.99 | 1.39 | 1.40 |
| $150,000.00 and up | 1.74 | 1.75 |
IRA Savings
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $5.00 to $9,999.99 | 0.10 | 0.10 |
| $10,000.00 and up | 0.25 | 0.25 |
Note: Penalty fees could reduce the earnings on accounts.
Business Accounts
Business Checking| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $2,500.00 and up | 0.25 | 0.25 |
| Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $2,000.00 and up | 0.30 | 0.30 |