Savings Rates

Rates effective as of November 1, 2018

Regular Share/Trust/Special Purpose Club Accounts

Account Type Dividend APY
$250 Minimum Balance

Term: Daily
$250 Minimum Balance
Rates Set: Quarterly

0.05% 0.05%
$2,000.01 Minimum Balance

Term: Daily
$2,000.01 Minimum Balance
Rates Set: Quarterly

0.10% 0.10%
$10,000.01 Minimum Balance

Term: Daily
$10,000.01 Minimum Balance
Rates Set: Quarterly

0.15% 0.15%
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.

0.20% 0.20%

Share Certificates

Certificate Type Dividend APY
12 Months

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

1.74% 1.75%
24 Months

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

2.23% 2.25%
36 Months

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

2.72% 2.75%
60 Months

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

2.77% 2.80%

Starter Certificate

Certificate Type Dividend APY
12 Month 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.

1.98% 1.99%

Young Saver's Certificates

Certificate Type Dividend APY
12 Month 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.

1.98% 1.99%
36 Month 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.

2.97% 3.00%

IRA Savings

Account Type Dividend APY
IRA Savings (1.41% APY w/ Rewards)

Terms: Daily
Rates Set: Quarterly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

Relationship Rewards Members earn more.

1.24% 1.25%

IRA Certificates

Certificate Type Dividend APY
12 Months

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.

1.84% 1.85%
12 Month 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.

1.98% 1.99%
24 Months

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.

2.33% 2.35%
60 Months

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.

2.87% 2.90%

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.

1.49% 1.50%

MISCA

Certificate Type Dividend APY
24 Months

$10,000 Minimum Deposit
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

2.72% 2.75%

Money Market Savings

Account Type Dividend APY
Tier 1

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

0.20% 0.20%
Tier 2

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

0.25% 0.25%
Tier 3

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

0.45% 0.45%
Tier 4

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

0.45% 0.45%
Tier 5

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

0.45% 0.45%
Tier 6

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

0.45% 0.45%

APR: Annual percentage rate; APY: Annual percentage yield

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