Deposit Rates
Annual Percentage Yield is effective as of March 25, 2025. All Rates subject to change daily. Fees may reduce earnings on applicable accounts. Rates may change after the account is open.
| Description | Interest Rate | Annual Percentage Yield | Minimum Daily Balance to Earn APY | Minimum Amount to Open Account | |
|---|---|---|---|---|---|
| Primary Share Savings Account | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Club Accounts | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Special Share Accounts | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Real Estate Escrow | 0.10% | 0.10% | $15.00 | $0.00 | |
| IRA Share Account | 0.20% | 0.20% | $15.00 | $250.00 | |
| Business Advantage Share Savings | 0.10% | 0.10% | $100.00 | $100.00 | |
| Business Advantage Checking | 0.00% | 0.00% | $0.00 | $0.00 | |
| Business Advantage Plus Checking | 0.05% | 0.05% | $10,000.00 | $5.00 | |
| NOW Checking Accounts | 0.05% | 0.05% | $15.00 | $5.00 | |
| Totally Free Checking | 0.00% | 0.00% | N/A | $0.00 | Open Account |
| Student Advantage Totally Free Checking | 0.00% | 0.00% | N/A | $0.00 | Open Account |
Additional Deposit Rate Information – All Accounts
A $5.00 Primary Share Account is required for Membership. Membership eligibility requirements apply. The Annual Percentage Yield is accurate as of the last dividend declaration date. Rates subject to change at any time. Rates may change after account is opened. Please see Member Service for information on fees and terms. Fees may reduce earnings.
Money Market Rates
| Description | Interest Rate | Annual Percentage Yield | Minimum Balance to open and earn APY | |
|---|---|---|---|---|
| Tier 1 $2,500 - $24,999.99 | 0.50% | 0.50% | $2,500.00 | Open Account |
| Tier 2 $25,000 - $49,999.99 | 1.00% | 1.00% | $25,000.00 | |
| Tier 3 $50,000 - $99,999.99 | 1.24% | 1.25% | $50,000.00 | |
| Tier 4 $100,000 and over | 1.49% | 1.50% | $100,000.00 |
Money Market Additional Information
- Variable interest rates may change after account is opened.
Share Certificate Rates
Share Certificate Special Rate
CLICK HERE for requirements
| Description | Rate | Annual Percentage Yield | Minimum Daily Balance to Earn APY | Minimum Amount to Open Account | |
|---|---|---|---|---|---|
| 11 months | 4.17% | 4.25% | $1,000.00 | $1,000.00 | Open Account |
Standard Share Certificate Rates
| Description | Rate | Annual Percentage Yield | Minimum Daily Balance to Earn APY | Minimum Amount to Open Account | |
|---|---|---|---|---|---|
| 6 months | 2.96% | 3.00% | $1,000.00 | $1,000.00 | Open Account |
| 12 months | 3.69% | 3.75% | $1,000.00 | $1,000.00 | |
| 24 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 36 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 48 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 60 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 72 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 |
*6 to 11 month terms not available for IRAs
Share Certificate Additional Information
Unless we hear from you, CD will automatically renew original term at the then current rate offer. Penalty will be applied for early withdrawal. Rates on CDs are guaranteed until maturity date.