Deposit Rates

Savings & Checking Accounts

Account TypesMinimum Balance to Earn DividedAPY*
Regular Shares$25,000
$7,500
$100
0.30%
0.20%
0.10%
Holiday Club$00.15%
Advantage Checking$10,001
$0 - $10,000
0.10%
3.25%

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
3.15%
3.00%
2.90%
2.65%
1.30%
Available
Available
Available
$1,0004 years
3 years
2 years
1 year
6 months
3.15%
3.00%
2.90%
2.65%
1.30%
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
2.46%
2.46%
$1,0004 years
2 years
2.44%
2.44%

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 months2.00%
$3,00012 months0.10%

Individual Retirement Accounts (IRA)

IRA TypesTermsAPY*
IRA Certificate3 years3.10%
IRA Certificate2 years3.00%
IRA Certificate1 year2.65%
IRA Share Balances: $0.00 - $3,000n/a4.25%
IRA Share Balances: $3,001+n/a0.50%

Rates as of March 12, 2019

*SAVINGS DISCLOSURE INFORMATION