Explore Sections

Certificate rates

Share Certificates
$1,000 Minimum – Penalty for Early Withdrawal

Certificate Term
6 months
(Limited Time Special)
12 months
(Limited Time Special)
18 months
(Limited Time Special)
24 months
(Limited Time Special)
30 months
36 months
41 months
60 months
Dividend Rate
4.232%
4.426%
4.135%
4.038%
3.844%
1.985%
3.455%
1.985%
APY²
4.30%
4.50%
4.20%
4.10%
3.90%
2.00%
3.50%
2.00%

JUMBO Certificates
$100,000 Minimum – Penalty for Early Withdrawal

Certificate Term
6 months
(Limited Time Special)
12 months
(Limited Time Special)
18 months
(Limited Time Special)
24 months
(Limited Time Special)
30 months
36 months
41 months
60 months
Dividend Rate
4.329%
4.523%
4.232%
4.135%
3.941%
2.084%
3.552%
2.084%
APY²
4.40%
4.60%
4.30%
4.20%
4.00%
2.10%
3.60%
2.10%

Youth Certificates
$100 Min. $30,000 Max. - Penalty for Early Withdrawal

Certificate Term
3 Month Add-On³
Dividend Rate
3.358%
APY²
3.40%

²APY equals Annual Percentage Yield. Dividends on certificates are compounded quarterly. The APY does not change on certificates until the maturity date. Dividend rates on certificates are fixed when account is opened. Penalties may be imposed for early withdrawal and those fees could reduce earnings. Withdrawal of earnings could reduce APY. APY is accurate as of 10/28/2024.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁷Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.

Checking & Savings Rates

Share savings⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.10%
APY²
0.10%
Secondary Savings⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.20%
APY²
0.20%
Share Draft (Checking)⁴
Minimum Balance to earn Dividend
$500
Dividend Rate
0.05%
APY²
0.05%
Christmas Club⁴
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
Vacation Club⁴
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
ira shares⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
roth ira shares⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
education ira shares⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
Health savings account⁴
Minimum Balance to earn Dividend
$100
Dividend Rate
0.40%
APY²
0.40%
Youth Account⁴
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
DID Account⁵
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
Share Plus⁵
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
Super Money Market⁵
Minimum Balance to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.99%
APY²
1.00%
Super Money Market⁵
Minimum Balance to earn Dividend
$25,000 - $49,999.99
Dividend Rate
1.45%
APY²
1.45%
Super Money Market⁵
Minimum Balance to earn Dividend
$50,000 - $99,999.99
Dividend Rate
1.64%
APY²
1.65%
Super Money Market⁵
Minimum Balance to earn Dividend
$100,000 - $249,999.99
Dividend Rate
1.84%
APY²
1.85%
Super Money Market⁵
Minimum Balance to earn Dividend
$250,000 - $499,999.99
Dividend Rate
2.04%
APY²
2.05%
Super Money Market⁵
Minimum Balance to earn Dividend
$500,000 - $999,999.99
Dividend Rate
2.23%
APY²
2.25%
Super Money Market⁵
Minimum Balance to earn Dividend
$1,000,000+
Dividend Rate
2.43%
APY²
2.45%

²APY equals Annual Percentage Yield. Rates subject to change without notice.
⁴Dividends are compounded quarterly. Withdraw of earnings could reduce APY.
⁵Dividends are compounded monthly. Withdraw of earnings could reduce APY.
APY is accurate as of the last dividend declaration date effective 10/28/2024. Restrictions do apply. 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.