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Deposit Rates

 

Share Accounts
Share Certificates
Money Markets
IRA Share

Interest Rates on your share savings

Share TypeMinimum Balance to receive dividendsRateAPY
Share Savings*$200.010.05%0.05%
$2500.010.10%0.10%
Share Christmas Club**$50.000.15%0.15%
Share Vacation Club**$50.000.15%0.15%
Share Draft**$2000.005%.005%
Share Sweep***$0.01-$8000.000.10%0.10%
$8000.01+0.20%0.20%

* Minimum Opening Deposit is $5.
** No Minimum Opening Deposit.
*** Minimum Opening Deposit is $8,000.

Share Certificates (CD)

Term of CertificateMinimum Opening DepositRateAPY0.05% – $50,000 Rate0.05% – $50,000 APY0.10% – $100,000 Rate0.10% – $100,000 APY
6 Month – Youth$250.000.10%0.10%0%0%0%0%
3 Months$10000.10%0.10%0.15%0.15%0.20%0.20%
6 Months$10000.20%0.20%0.25%0.25%0.30%0.30%
9 Months$10000.30%0.30%0.35%0.35%0.40%0.40%
12 Months$10000.50%0.50%0.55%0.55%0.60%0.60%
18 Months$10000.55%0.55%0.60%0.60%0.65%0.65%
24 Months$10000.75%0.75%0.80%0.80%0.85%0.85%
30 Months$10000.95%0.95%1.00%1.00%1.05%1.05%
36 Months$10001.00%1.00%1.05%1.06%1.10%1.11%
48 Month$10001.10%1.11%1.15%1.16%1.20%1.21%
60 Months$10001.20%1.21%1.25%1.26%1.30%1.31%
23 Months – Special*$10001.19%1.20%1.24%1.25%1.29%1.30%
15 Months – Special**$10001.19%1.20%1.24%1.25%1.29%1.30%

Penalty for Early withdrawal of Share Certificates – Forfeiture of dividends as shown below:
Early withdrawal penalty is based on term of certificate.

Terms of less than 12 months 90 days dividend
Terms of 12 or more months 180 days dividend

IRA Certificates: Exceptions to Early Withdrawal Penalties: When an owners dies or is determined legally incompetent by a court or other body of competent jurisdiction. Minimum opening deposit of $1,000.  Early withdrawal penalty may reduce earnings. This penalty may reduce earnings of the certificate.

Money Market

BalanceRateAPY
$200 - 2,5000.20%0.20%
$2,500.01 - 25,0000.25%0.25%
$25,000.01 - 50,0000.40%0.40%
$50,000.01 - 100,0000.60%0.60%
$100,000+0.80%0.80%

*No Minimum Opening Deposit

IRA Share Balance

IRA Share BalanceRateAPY
$1+0.30%0.30%
APY = Annual Percentage Yield
APR = Annual Percentage Rate

Depositors are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. All Deposit Products are Variable Rate and subject to change without notice. Fees may reduce earnings. Rates current as of 1/1/2020.

*Annual Percentage Yield. 1.20% annual percentage rate. Rates are for limited time only.
**Annual Percentage Yield. 1.20% annual percentage rate. Rates are for limited time only. New money only.