Certificate rates

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

Certificate Term
Dividend Rate
APY²
6 months
3.747%
3.80%
12 months
(Limited Time Special)
4.038%
4.10%

18 months
(Limited Time Special)

3.990%
4.05%

24 months
(Limited Time Special)

3.941%
4.00%
30 months

1.985%
2.00%
36 months
3.650%
3.70%
41 months
1.985%
2.00%
60 months
1.985%
2.00%

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

Certificate Term
Dividend Rate
APY²
6 months
3.844%
3.90%

12 months
(Limited Time Special)

4.135%
4.20%

18 months
(Limited Time Special)

4.087%
4.15%

24 months
(Limited Time Special)

4.038%
4.10%

30 months

2.084%
2.10%
36 months
3.747%
3.80%
41 months
2.084%
2.10%
60 months
2.084%
2.10%

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

Certificate Term
Dividend Rate
APY²
3 Month Add-On³
3.941%
4.00%

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

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