Deposit Rates
Checking Accounts
| Account | APY* |
|---|---|
| Checking Plus Account | 0.05% |
| Preferred Youth Checking Account | 0.15% |
| FirstStep Youth Checking | 0.15% |
| Freedom Youth Checking | 0.15% |
| e-Checking - $0 to $1,000 (paid monthly) | 0.50% |
| e-Checking - above $1,000 (paid monthly) | 0.20% |
Quarterly dividend rates were declared by the Board of Directors for the quarter ending September 2024.
Dividend for the next quarter will be declared in December 2024.
Dividend for the next quarter will be declared in December 2024.
Monthly dividend rates were effective October 1, 2024.
$500 minimum balance required for dividends on the Checking Plus Account.
Fees could reduce earnings on these accounts.
The APY* is a variable rate and may change after the account is opened.
*APY = Annual Percentage Yield
Savings Accounts
| Account | APY* |
|---|---|
| Basic Membership Savings Account | 0.03% |
| Preferred Youth Savings Account | 0.50% |
| Christmas Savings Account | 0.15% |
| Vacation Savings Account | 0.15% |
Quarterly dividend rates were declared by the Board of Directors for the quarter ending September 2024.
Dividend for the next quarter will be declared in December 2024.
Monthly dividend rates were effective October 1, 2024.
$100 minimum balance is required for dividends on all savings account except Preferred Youth Savings.
Fees could reduce earnings on these accounts.
The APY* is a variable rate and may change after the account is opened.
*APY = Annual Percentage Yield
Payroll Plus Savings Account
| Amount Required for APY* | APY* |
|---|---|
| $500 or more | 0.30% |
| $0.01 to $499.99 | 0.15% |
Quarterly dividend rates were declared by the Board of Directors for the quarter ending September 2024.
Dividend for the next quarter will be declared in December 2024.
Dividend for the next quarter will be declared in December 2024.
$100 minimum balance is required for dividends on Payroll Plus Savings Account.
Fees could reduce earnings on these accounts.
Fees could reduce earnings on these accounts.
The APY* is a variable rate and may change after the account is opened.
*APY = Annual Percentage Yield
Business Accounts
Business Savings and Checking Accounts
| Account | APY* |
|---|---|
| Business Basic Savings (paid on balance over $100) |
0.03% |
| Business e-Checking - $0 to $1,000 (paid monthly) |
0.50% |
| Business e-Checking - above $1,000 (paid monthly) |
0.20% |
Business Money Market
| Tiers | APY* |
|---|---|
| $0 - $9,999 |
0.05% |
| $10,000 - $49,999 |
0.10% |
| $50,000 - $99,999 | 0.15% |
| $100,000 - $499,999 |
0.20% |
| $500,000 - $999,999 |
0.25% |
| $1,000,000 and up |
0.30% |
Quarterly dividend rates were declared by the Board of Directors for the quarter ending September 2024.
Dividend for the next quarter will be declared in December 2024.
Dividend for the next quarter will be declared in December 2024.
Monthly dividends were effective October 1, 2024.
Dividends are calculated daily and paid monthly on Business e-Checking and Business Money Market.
Dividends are calculated daily, compounded and paid quarterly on Business Basic Savings.
Fees could reduce earnings on these accounts.
No minimum balance required for APY* on Business e-Checking and Business Money Market accounts.
The APY* is a variable rate and may change after the account is opened.
*APY=Annual Percentage Yield
Money Market Accounts
Regular Money Market
| Amount Required for APY* | APY* |
|---|---|
| $0 - $9,999 | 0.05% |
| $10,000 - $49,999 | 0.10% |
| $50,000 - $99,999 | 0.15% |
| $100,000 - $499,999 | 0.20% |
| $500,000 - $999,999 | 0.25% |
| $1,000,000 and up | 0.30% |
Rates are effective as of July 1, 2024.
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000.
The APY is a variable rate and may change after the account is opened.
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000.
The APY is a variable rate and may change after the account is opened.
Fees could reduce earnings on this account.
*APY = Annual Percentage Yield.
*APY = Annual Percentage Yield.
Premiere Money Market
| Amount Required for APY* | APY* |
|---|---|
| $0 - $49,999 | 0.20% |
| $50,000 - $199,999 | 2.00% |
| $200,000 and up | 3.00% |
Premiere Money Market Account is available to members with a checking account or to members who deposit a minimum of $25,000 in new money in the Premiere Money Market Account.
Rates are effective as of October 1, 2024.
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000 (members with a checking account) or $25,000 in new money.
The APY is a variable rate and may change after the account is opened.
Rates are effective as of October 1, 2024.
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000 (members with a checking account) or $25,000 in new money.
The APY is a variable rate and may change after the account is opened.
Fees could reduce earnings on this account.
*APY = Annual Percentage Yield.
*APY = Annual Percentage Yield.
Certificates
Specials
13-Month: 4.25% APY* - Minimum Balance $1,000
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
7 Month: 5.15% APY* - Minimum Balance $25,000
Requires $25,000 in new money.
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
Requires $25,000 in new money.
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
14 Month: 5.00% APY* - Minimum Balance $25,000
Requires $25,000 in new money.
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
Requires $25,000 in new money.
Renews to a regular certificate with a 12-month term.
Deposits over $1,000,000 require approval.
Pay Day Certificate - 12 Month - 0.40% APY*
$100.00 Minimum Certificate
Requires a $10.00 minimum deposit transferred into the certificate at least monthly.
Most savings or checking accounts are available for transfer.
Transfers may occur weekly, bi-weekly, semi-monthly or monthly
and must come from a non-tax favored savings or checking account.
Rate is effective as of October 1, 2024.
There may be a penalty for early withdrawal on certificate accounts.
Dividends are calculated daily and paid monthly.
Fees could reduce earning on these accounts.
*APY = Annual Percentage Yield.
| Term | Minimum Balance Required for APY* | APY* |
|---|---|---|
| 6 Month | $1,000+ | 0.30% |
| 12 Month Youth | $100 - Minimum Opening Balance Additions allowed to Youth Certificate $50 Minimum Deposit |
0.40% |
| 1 Year | $1,000+ | 0.40% |
| 18 Month | $1,000+ | 0.45% |
| 2 Year | $1,000+ | 0.50% |
| 3 Year | $1,000+ | 0.60% |
| 4 year | $1,000+ | 0.60% |
| 5 Year | $1,000+ | 0.60% |
There may be a penalty for early withdrawal on a certificate accounts.
Dividends are calculated daily and paid monthly.
Rates are effective as of October 1, 2024.
*APY = Annual Percentage Yield
Dividends are calculated daily and paid monthly.
Rates are effective as of October 1, 2024.
*APY = Annual Percentage Yield
Rates are subject to change without notice.
Traditional & Roth IRAs, SEP and HSA Savings Accounts
| Amount Required for APY | APY* |
|---|---|
| $0 - $9,999 | 0.05% |
| $10,000 - $49,000 | 0.10% |
| $50,000 - $99,999 | 0.15% |
| $100,000 - $499,999 | 0.20% |
| $500,000 - $999,999 | 0.25% |
| $1,000,000 and up | 0.30% |
Rates are effective as of October 1, 2024.
Dividends are calculated daily and paid monthly.
Unlimited deposits and withdrawals with no penalties as permitted by IRS
There may be a penalty for early withdrawal on certificate accounts.
Fees could reduce earnings on these accounts.
The APY* is a variable rate and may change after the account is opened.
*APY=Annual Percentage Yield.