Savings & Checking Accounts
| Account Types | Min. Balance to Earn Divided | APY* |
|---|---|---|
| Regular Shares | $25,000 $7,500 $100 | 0.30% 0.20% 0.10% |
| Holiday Club | $0 | 0.15% |
| 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 Balances | Terms | APY* | Step-Up Option |
|---|---|---|---|
| $75,000 | 4 years 3 years 2 years 1 year 6 months | 3.25% 3.10% 3.00% 2.65% 1.30% | Available Available Available |
| $1,000 | 4 years 3 years 2 years 1 year 6 months | 3.25% 3.10% 3.00% 2.65% 1.30% | Available Available Available |
Variable Share 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 Balance | Terms | APY* |
|---|---|---|
| $75,000 | 4 years 2 years | 2.54% 2.54% |
| $1,000 | 4 years 2 years | 2.50% 2.50% |
Individual Retirement Accounts (IRA)
| IRA Types | Terms | APY* |
|---|---|---|
| IRA Certificate | 3 years | 3.10% |
| IRA Certificate | 2 years | 3.00% |
| IRA Certificate | 1 year | 2.65% |
| IRA Share Balances: $0.00 - $3,000 | n/a | 4.25% |
| IRA Share Balances: $3,001+ | n/a | 0.50% |
Rates as of January 8, 2019
*SAVINGS DISCLOSURE INFORMATION