Deposit Rates

Eagle Federal is proud to announce that a bonus dividend was paid to our member owners on December 31, 2020. The Board of Directors approved the one-time bonus dividend of .25% which was disbursed to qualified members based on the first $10,000 in annual average daily balances in savings and checking accounts.

Eagle Federal returns profits to its members in the form of lower loan rates, low cost services and dividends to members. The one-time dividend was made possible in part by the recovery of assets from the 2008/2009 financial crises earlier this year. We are very pleased to be able to give back to our members with this bonus dividend at the end of a very challenging year.

Savings & Checking Accounts

Account TypesMinimum Balance to Earn DividedAPY*
Regular Shares$25,000
$7,500
$100
0.10%
0.05%
0.05%
Holiday Club$00.10%
Advantage Checking$0 - $10,000
$10,001
1.25%
0.10%

Share Certificates

Share Certificates can help you earn a higher rate of return on your investment.

Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step.

Minimum BalanceTermsAPY*Step-Up Option
$75,0004 years
3 years
2 years
1 year
6 months
0.70%
0.60%
0.50%
0.40%
0.20%
Available
Available
Available
$1,0004 years
3 years
2 years
1 year
6 months
0.60%
0.50%
0.40%
0.30%
0.15%
Available
Available
Available

Variable Rate Certificates

Rate index is the 52-week US Treasury Bill rate for certificates $75,000 or more and the 26-week US Treasury Bill rate for certificates under $75,000.
Minimum BalanceTermsAPY*
$75,0004 years
2 years
0.08%
0.08%
$1,0004 years
2 years
0.05%
0.05%

Starter Certificates

Different from other certificates, with a Starter Certificate, you may continue to add funds through your payroll, allowing you to continue to grow your savings!

Rate changes monthly, rate based on the Federal prime rate calculated monthly on balances up to $3,000. Rate adjusts to regular savings rate on balances over $3,000.

Minimum BalanceTermsAPY*
$5012 months0.10%
$3,00012 months0.10%

Individual Retirement Accounts (IRA)

IRA TypesTermsAPY*
IRA Certificate3 years0.75%
IRA Certificate2 years0.70%
IRA Certificate1 year0.65%
IRA Share Balances: $0.00 - $3,000n/a0.75%
IRA Share Balances: $3,001+n/a0.25%

Rates as of March 3, 2021

*SAVINGS DISCLOSURE INFORMATION