Savings Rates

Rates effective as of December 1, 2023

Account Type	Dividend	APY
$250 Minimum Balance Term: Daily $250 Minimum Balance Rates Set: Quarterly *$5 monthly service charge will apply if a combined minimum balance of $250 is not maintained after the first six months of membership. Monthly service charge may reduce earnings on account.	0.05%	0.05%
$2,000.01 Minimum Balance Term: Daily $2,000.01 Minimum Balance Rates Set: Quarterly	0.05%	0.05%
$10,000.01 Minimum Balance Term: Daily $10,000.01 Minimum Balance Rates Set: Quarterly	0.05%	0.05%
Other Club Accounts (Vacation, Christmas, Tax) Term: Daily $250 Minimum Balance Rates Set: Quarterly An $10 fee will be imposed for early withdrawal, which will reduce the earnings on the account.	0.10%	0.10%

Certificate Type	Dividend	APY
1 Year $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	4.91%	5.00%
3 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	3.70%	3.75%
5 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	3.80%	3.85%
2 Years $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	4.33%	4.40%

Starter Certificate

Certificate Type	Dividend	APY
1 Year Add-On $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds throughout the certificate term. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Limit One Per Member Under 18 Years of Age.	5.01%	5.10%

Young Saver's Certificates

Certificate Type	Dividend	APY
1 Year Add-On $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $1,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Limit One Per Member Under 18 Years of Age.	5.01%	5.10%
3 Years Add-On $1 Minimum Balance $3,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $3,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Limit One Per Member Under 18 Years of Age.	3.84%	3.90%

IRA Savings

Account Type	Dividend	APY
IRA Savings (1.10% APY w/ Rewards) Terms: Daily Rates Set: Quarterly A penalty could be imposed for early withdrawal, which will reduce the earnings on the account. Speak with our IRA Specialists for more information about withdrawals. Relationship Rewards Members earn more.	0.90%	1.00%

IRA Certificates

Certificate Type	Dividend	APY
1 Year Traditional, Roth & Coverdell Education $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	5.15%	5.25%
1 Year Starter Add-On Traditional, Roth & Coverdell Education $1 Minimum Balance $1,000 Maximum Balance Rates Set: Monthly Add funds at anytime throughout the certificate term up to $1,000. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open. Limit One Per Member Under 18 Years of Age.	4.91%	5.00%
5 Years Traditional, Roth & Coverdell Education $250 Minimum Balance Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.	3.94%	4.00%

Money Market Add-On Certificate

Certificate Type	Dividend	APY
6 Months $5,000 Minimum Deposit, $500,000 Maximun Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Add funds throughout the certificate term.	5.13%	5.25%

MISCA

Certificate Type	Dividend	APY
2 Years $10,000 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	4.41%	4.50%

Money Market Savings

Account Type	Dividend	APY
Tier 1 $5,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.05%	1.05%
Tier 2 $10,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.09%	1.10%
Tier 3 $25,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.19%	1.20%
Tier 4 $50,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.29%	1.30%
Tier 5 $75,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.39%	1.40%
Tier 6 $100,000 Minimum Balance Dividends Compounded: Monthly Dividends Credited: Monthly Dividend Period: Monthly	1.49%	1.50%

APR: Annual percentage rate; APY: Annual percentage yield

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