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 December 2025.
Dividend for the next quarter will be declared in March 2026.
Dividend for the next quarter will be declared in March 2026.
Monthly dividend rates were effective March 1, 2026.
$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 December 2025.
Dividend for the next quarter will be declared in March 2026.
Monthly dividend rates were effective March 1, 2026.
$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 December 2025.
Dividend for the next quarter will be declared in March 2026.
Dividend for the next quarter will be declared in March 2026.
$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 December 2025.
Dividend for the next quarter will be declared in March 2026.
Dividend for the next quarter will be declared in March 2026.
Monthly dividends were effective March 1, 2026.
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 March 1, 2026.
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 March 1, 2026.
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 March 1, 2026.
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
7 Month: 4.00% APY*
Minimum deposit $1,000 or $100 on Youth Accounts -Maximum deposit $1,000,000.
Renews to a regular certificate with a 12-month term.
Not offered on CESA certificates.
14 Month: 3.75% APY*
Minimum deposit $1,000 or $100 on Youth Accounts - Maximum deposit $1,000,000.
Renews to a regular certificate with a 12-month term.
Not offered on CESA certificates.
Pay Day Certificate - 12 Month - 0.40% APY*
Minimum deposit $100 - 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.
Rates for Certificate Specials are effective as of March 1, 2026 and subject to change without notice.
*APY = Annual Percentage Yield. APY based on compounded dividends for an annual period. There may be a penalty for early withdrawal on certificate accounts. Fees could reduce earning on these accounts. Dividends are calculated daily and paid monthly. For Youth Account certificates, the primary member must be under age 25 and have a Youth Share Account.
| 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% |
Rates are effective as of March 1, 2026 and subject to change without notice.
*APY = Annual Percentage Yield. APY based on compounded dividends for an annual period. There may be a penalty for early withdrawal on certificate accounts. Fees could reduce earning on these accounts. Dividends are calculated daily and paid monthly. For Youth Account certificates, the primary member must be under age 25 and have a Youth Share Account.
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 March 1, 2026.
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.