Savings Rates

Rates effective as of October 1, 2021

Regular Share/Trust/Special Purpose Club Accounts

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%

Share Certificates

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.

0.20% 0.20%
2 Years

$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

0.35% 0.35%
3 Years

$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

0.50% 0.50%
5 Years

$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

0.70% 0.70%

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.

0.35% 0.35%

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.

0.35% 0.35%
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.

0.55% 0.55%

IRA Savings

Account Type Dividend APY
IRA Savings (0.85% 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.

0.75% 0.75%

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.

0.60% 0.60%
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.

0.70% 0.70%
2 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.

0.70% 0.70%
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.

1.00% 1.00%

Money Market Certificate

Certificate Type Dividend APY
26 Week Add-On

$5,000 Minimum Deposit
Rates Set: Monthly
Add any amount at any time throughout the certificate term.
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

0.25% 0.25%

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.

0.40% 0.40%

Money Market Savings

Account Type Dividend APY
Tier 1

$5,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.05% 0.05%
Tier 2

$10,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.10% 0.10%
Tier 3

$25,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.20% 0.20%
Tier 4

$50,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.25% 0.25%
Tier 5

$75,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.30% 0.30%
Tier 6

$100,000 Minimum Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

0.30% 0.30%

APR: Annual percentage rate; APY: Annual percentage yield

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