Dividend Rates

For Loan Rates, click here.

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 March 31, 2017.
Dividend for the next quarter will be declared in June 2017.

Monthly dividends were effective May 1, 2017

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

Checking and Savings Rates

Account APY*
Basic Membership Savings Account 0.03%
Preferred Youth Savings Account 0.50%
Christmas Savings Account 0.15%
Vacation Savings Account 0.15%
Former Life Insurance Savings Accounts 0.03%
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 March 31, 2017. 
Dividend for the next quarter will be declared in June 2017.

Monthly dividend rates were effective May 1, 2107.
$100 minimum balance is required for dividends on all savings account except Preferred Youth Savings.
$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

Market Index Certificate

3 years
$500 Minimum

The return is based on the performance of the Dow Jones Industrial Average and has a guaranteed return of about 1% APY*. The principal amount of the certificate is federally insured to at least $250,000 by the NCUA. Dividends are paid on the maturity date of the certificate.

Early withdrawals are not allowed except in the case of the death of the owner.
*APY = Annual Percentage Yield

Market Money Savings Account
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 May 1, 2017. 
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000.00.

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.

PayDay Certificate

12 Month - 1.00% 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 May 1, 2017.. 

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.

Regular, Traditional IRA, and Roth IRA
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 March 31, 2017. 
Dividend for the next quarter will be declared in June 2017.

$100 minimum balance is required for dividends on Payroll Plus Savings 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

Regular & Tax-Favored Certificates
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
0.50%
1 Year $1,000+ 0.50%
18 Month $1,000+ 0.60%
2 Year $1,000+ 0.70%
3 Year $1,000+ 0.90%
4 year $1,000+ 1.10%
5 Year $1,000+ 1.50%

There may be a penalty for early withdrawal on certificate accounts.
Dividends are calculated daily and paid monthly.
*APY = Annual Percentage Yield.
Rates are effective as of May 1, 2017.

Specials

25 months 1.25% APY* 
37 months 1.45% APY*

New Money Only - Minimum Balance Requirement $5,000 

Rates effective May 1, 2017 and subject to change without notice. 

Dividends are calculated daily and paid monthly.

Significant penalty for early withdrawals. 

*APY=Annual Percentage Yield

Bump Certificate Special 

36 months 0.90% APY* 
48 months 1.10% APY*

60 months 1.50% APY*

Minimum Balance Requirement $1,000

Rates effective May 15, 2017 and subject to change without notice. 

Dividends are calculated daily and paid monthly.

Must request Bump Certificate Special at purchase or during renewal period. 

One bump per term. 5 year certificates may bump twice per term. 

Renews to a regular certificate with corresponding term. 

Significant penalty for early withdrawals. 

*APY=Annual Percentage Yield


Traditional, SEP & Roth IRAs, HSAs, Coverdell Educational 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 May 1, 2017.

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 reate and may change after the account is opened.

*APY=Annual Percentage Yield. 


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