Savings & Checking Accounts
| Account Types | Minimum Balance to Earn Divided | APY* |
|---|---|---|
| Regular Shares | $25,000 $7,500 $100 | 0.25% 0.15% 0.10% |
| Holiday Club | $0 | 0.15% |
| Advantage Checking | $10,001 $0 - $10,000 | 0.10% 2.75% |
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 Balance | Terms | APY* | Step-Up Option |
|---|---|---|---|
| $75,000 | 4 years 3 years 2 years 1 year 6 months | 3.15% 3.00% 2.80% 2.65% 1.30% | Available Available Available |
| $1,000 | 4 years 3 years 2 years 1 year 6 months | 3.15% 3.00% 2.65% 2.40% 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 Balance | Terms | APY* |
|---|---|---|
| $75,000 | 4 years 2 years | 1.87% 1.87% |
| $1,000 | 4 years 2 years | 2.04% 2.04% |
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 Balance | Terms | APY* |
|---|---|---|
| $50 | 12 months | 2.00% |
| $3,000 | 12 months | 0.10% |
Individual Retirement Accounts (IRA)
| IRA Types | Terms | APY* |
|---|---|---|
| IRA Certificate | 3 years | 3.00% |
| IRA Certificate | 2 years | 2.80% |
| IRA Certificate | 1 year | 2.65% |
| IRA Share Balances: $0.00 - $3,000 | n/a | 3.00% |
| IRA Share Balances: $3,001+ | n/a | 0.40% |
Rates as of July 1, 2019
*SAVINGS DISCLOSURE INFORMATION