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%

These dividend rates were declared by the Board of Directors for the quarter ending December 31, 2016.
Dividend for the next quarter will be declared in March 2017.
Dividends are calculated daily, compounded 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.

*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%

The Board of Directors declared these dividend rates for the quarter ending December 31, 2016. 
Dividends for the new quarter will be declared in March 2017.
$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.
*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%

Minimum Balance to open is $1000.00.

Fees could reduce earnings on this account.
*APY = Annual Percentage Yield.
Rates are effective as of 1/24/2017.
The APY is a variable rate and may change after the account is opened.
Dividends are calculated and paid monthly.

PayDay Certificate

1.00% APY*

$100.00 Minimum Certificate

$10.00 Minimum deposits must be 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.


APY = Annual Percentage Yield.
Rate is effective as of 1/24/2017.
There may be a penalty for early withdrawal on certificate accounts.
Dividends are calculated daily and paid monthly.

Regular, Traditional IRA, and Roth IRA
Amount Required for APY* APY*
$500 or more 0.30%
$0.01 to $499.99 0.15%

These dividend rates were declared by the Board of Directors for the quarter ending December 30, 2016.
Dividends for the new quarter will be declared in March 2017.

*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 1/24/2017.

Rates effective December 23, 2016 and subject to change without notice.

SPECIALS

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

New Money Only - Minimum Balance Requirement $10,000
Significant penalty for early withdrawals. *APY=Annual Percentage Yield
Federally Insured by NCUA

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%

Unlimited deposits and withdrawals with no penalties as permitted by IRS

*APY=Annual Percentage Yield.
Rates are effective as of 1/24/2017.
There may be a penalty for early withdrawal on certificate accounts. Dividends are calculated daily and paid monthly.


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