Savings & Checking Accounts
| Account Types | Minimum Balance to Earn Divided | APY* |
|---|---|---|
| Regular Shares | $100.00 and up | 0.10% |
| Holiday Club | $0 | 0.10% |
| Advantage Checking | $0 - $10,000 $10,001 | 5.12% 0.25% |
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. More information about our share certificates can be found here.
*$500 minimum on 3 month terms.
| Minimum Balance | Terms | APY* | Step-Up Option |
|---|---|---|---|
| $1,000 and up | 4 years 3 years 2 years 1 year 6 months 3 months | 3.50% 3.50% 3.65% 3.90% 3.75% 3.04% | Available Available Available |
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!
| Minimum Balance | Terms | APY* |
|---|---|---|
| $50 | 12 months | 3.75% |
Individual Retirement Accounts (IRA)
An IRA account is a great way to save for future needs in your retirement.
We have lots of options. find out more here.
| IRA Types | Terms | APY* |
|---|---|---|
| IRA Certificate | 3 years | 3.50% |
| IRA Certificate | 2 years | 3.65% |
| IRA Certificate | 1 year | 3.90% |
| IRA Types | Minimum Balance to Earn Dividend | APY* |
|---|---|---|
| IRA Shares | $0.00 | 0.45% |
Rates as of July, 2025
*SAVINGS DISCLOSURE INFORMATION APY=Annual Percentage Yield