Deposit Account Rates

Deposit Rates

Rates effective as of December 1, 2023

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 4.410% 4.50%
12 Month 4.506% 4.60%
24 Month 4.650% 4.75%
36 Month 4.554% 4.65%
48 Month 3.928% 4.00%
60 Month 3.735% 3.80%
84 Month 3.735% 3.80%
  • 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 1.982% 2.00%
$25,000+ 2.472% 2.50%
  • 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

Retirement Certificate

Term Dividend Rate APY
6 Month 4.410% 4.50%
12 Month 4.506% 4.60%
24 Month 4.650% 4.75%
36 Month 4.554% 4.65%
48 Month 3.928% 4.00%
60 Month 3.735% 3.80%
84 Month 3.735% 3.80%
  • 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

APY: Annual Percentage Yield