Checking & Savings Rates

Share Account
Account Type Min. to Earn Dividend Dividend Rate APY¹
(S1) Share Savings $100 0.20% 0.20%
(S3) Secondary Savings $100 0.20% 0.20%
(S7) Share Draft (Checking) $500 0.05% 0.05%
(S4) Christmas Club² $5 0.20% 0.20%
(S8) Vacation Club² $5 0.20% 0.20%
(S5) IRA Shares³ $100 0.25% 0.25%
(S10) Roth IRA Shares³ $100 0.25% 0.25%
(S15) Education IRA Shares³ $100 0.25% 0.25%
(S25) Health Savings Account³ $100 0.75% 0.75%
(S9) Youth Account $5 0.20% 0.20%
(S13) Teen Account $5 0.20% 0.20%
(S2) DID Account³ $50 0.25% 0.25%
(S11) Share Plus Account³ $50 0.25% 0.25%
(S21) Super Money Market Account³ $1,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.45% 0.45%
$50,000 - $99,999.99 0.65% 0.65%
$100,000 - $249,999.99 0.85% 0.85%
$250,000 + 1.19% 1.20%
  • Rates subject to change without notice
  • ¹APY = Annual Percentage Yield
  • ²Fees may reduce earnings on Club Accounts
  • ³Fees may reduce earnings on accounts
  • Public funds and financial institutions are not eligible for these rates. APY is accurate as of the last dividend declaration date. Please call for details.

Certificate rates

Share Certificates
Certificate Term Dividend Rate APY¹
3 months 0.25% 0.25%
6 months 0.40% 0.40%
7 months 0.45% 0.45%
10 months 0.50% 0.50%
12 months 0.40% 0.40%
15 months 0.65% 0.65%
18 months Step-up² 0.70% 0.70%
24 months 0.75% 0.75%
25 months 0.80% 0.80%
30 months 0.80% 0.80%
36 months 0.90% 0.90%
36 months Step-up² 1.10% 1.10%
37 months 0.90% 0.90%
41 months Step-up² 1.19% 1.20%
48 months 1.14% 1.15%
60 months 1.29% 1.30%
60 months Step-up² 1.24% 1.25%
  • Rates subject to change without notice.
  • ¹APY = Annual Percentage Yield.
  • ²Member can "Step-up" the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term.
  • Fees could reduce earnings on the account. There may be a penalty for early withdrawal.
  • $1,000 minimum.
  • Public funds and financial institutions are not eligible for these rates.
  • APY is accurate as of the last dividend delcaration date. Please call for details.
JUMBO Certificates
Certificate Term Dividend Rate APY¹
7 months 0.55% 0.55%
10 months 0.60% 0.60%
15 months 0.75% 0.75%
18 months Step-up² 0.80% 0.80%
25 months 0.90% 0.90%
37 months 1.00% 1.00%
41 months Step-up² 1.29% 1.30%
  • Rates subject to change without notice.
  • ¹APY = Annual Percentage Yield.
  • ²Member can "Step-up" the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term.
  • Fees could reduce earnings on the account. There may be a penalty for early withdrawal.
  • $100,000 minimum.
  • Public funds and financial institutions are not eligible for these rates.
  • APY is accurate as of the last dividend delcaration date. Please call for details.
Special Youth Certificates
3 Month Add-on Certificate
Dividend Rate
0.70%
APY¹
0.70%

Available only for Members under Age 18

$100 Minimum — $30,000 Maximum

Certificate may be added to at any time

  • Rates subject to change without notice.
  • ¹APY = Annual Percentage Yield.
  • Fees could reduce earnings on the account. There may be a penalty for early withdrawal.
  • Public funds and financial institutions are not eligible for these rates.
  • APY is accurate as of the last dividend delcaration date. Please call for details.