Deposit Rates
Rates effective as of May 1, 2025
Savings Account
| Account Type | APY | Dividend Rate |
|---|---|---|
| Share Savings
Minimum Opening Balance: $5.00 |
0.05% | 0.05% |
| Holiday Savings Account | 0.05% | 0.05% |
| IRA Savings
Minimum Opening Balance: $5.00 |
0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to earn the stated APY: $200
-
Balance Method: Daily Balance
-
Account Limitations: Account Transfer and Withdrawal Limitations Apply
Checking Account
| Account Type | Dividend Rate | APY |
|---|---|---|
| Dividend Checking | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to avoid service fee: $500
- Min. Balance to earn the stated APY: $200
-
Minimum Opening Deposit: $25.00
-
Balance Method: Daily Balance
Certificate
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Month | 3.445% | 3.50% |
| 12 Month | 3.639% | 3.70% |
| 17 Month Special Rate
Limited Time Only. |
3.832% | 3.90% |
| 24 Month | 3.445% | 3.50% |
| 36 Month | 3.154% | 3.20% |
| 48 Month | 3.203% | 3.25% |
| 60 Month | 3.251% | 3.30% |
| 84 Month | 3.300% | 3.35% |
- Minimum Deposit: $500.00
- Dividend Period: Calendar Month
- Dividends Compounded and Credited: Monthly
Money Market
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $1,000.00 – $9,999.00 | 1.490% | 1.50% |
| $10,000.00 – $24,999.00 | 1.687% | 1.70% |
| $25,000+ | 1.884% | 1.90% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance To Avoid Service Fee: None
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and Withdrawal Limitations Apply
- Minimum Opening Deposit: $1,000.00
- Minimum Balance to Earn Stated APY: $1,000.00
IRA Savings
| Account Type | Dividend Rate | APY |
|---|---|---|
| IRA | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to avoid service fee: None
- Min. Balance to earn the stated APY: $200
- Minimum Opening Deposit: $5.00
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and Withdrawal Limitations Apply
IRA Certificate
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Month | 3.445% | 3.50% |
| 12 Month | 3.639% | 3.70% |
| 17 Month Special Rate
Limited Time Only. |
3.832% | 3.90% |
| 24 Month | 3.445% | 3.50% |
| 36 Month | 3.154% | 3.20% |
| 48 Month | 3.203% | 3.25% |
| 60 Month | 3.251% | 3.30% |
| 84 Month | 3.300% | 3.35% |
- Minimum Deposit: $500.00
- Dividend Period: Calendar Month
- Dividends Compounded and Credited: Monthly
Health Savings Account
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $0 – $999 | 0.250% | 0.25% |
| $1,000 – $9,999 | 0.499% | 0.50% |
| $10,000 – $24,999 | 0.747% | 0.75% |
| $25,000+ | 0.995% | 1.00% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance To Earn Stated APY: $1.00
- Balance Method: Daily Balance
Club Savings Account (ABC & Teen)
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $1.00 | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance to Earn State APY: $1.00
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and withdrawal limitations apply.
- ABC Club Account - Maturity on the Member's 13th Birthday.
- Teen Club Account - Maturity on the Member's 18th Birthday.
APY: Annual Percentage Yield