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Deposit Rates
Prospective Dividend Rates
The rates listed below are the current prospective quarterly dividend rates and are not guaranteed.
| Share (Savings) Account | |
| Effective Date: January 1, 2020 | |
| Account Type | Annual Percentage Yield |
| Base Share Account (000) | 0.15% |
| Dividends are paid on balances over $100, excluding youth accounts. $5 minimum balance required for membership. | |
| Premium Share Account (004) | 0.15% |
| $100.00 minimum balance to earn a dividend • Dividends compounded quarterly. | |
| Christmas Club (017) | 0.15% |
| ChristmasSavings balances are transferred on November 1st of each year. | |
| Vacation Saings | 0.15% |
| No minimum balance required for any club/sub account. Dividends compounded quarterly. | |
| Sub-Share Accounts (001-003) | 0.15% |
| No minimum balance required for any savings account. Dividends compounded quarterly | |
| IRA Share Account | |
| Effective Date: January 1, 2020 | |
| Account Type | Annual Percentage Yield |
| Individual Retirement Account (IRA) Share Account | 0.50% |
| No minimum balance or minimum deposit requirement. | |
Rates are subject to change without notice. Earnings could be reduced by fees, if applicable. APY = Annual Percentage Yield.
Interest Rates
Interest rates are guaranteed for the specific term, based on the date of issue, if applicable. Rates are subject to change without notice.
| Health Savings Account (HSA) | |
| Effective Date: January 1, 2020 | |
| Account Type | Annual Percentage Yield |
| Health Savings Account (HSA) | 0.75% |
| HSA eligibility required. | |
| Insured Money Market Savings Account | |
| Effective Date: January 1, 2020 | |
| Amount | Annual Percentage Yield |
| $0 to $1,999.99 | 0.00% |
| $2,000 to $24,999 | 0.45% |
| $25,000 to $49,999 | 0.55% |
| $50,000 to $99,999 | 0.75% |
| $100,000 and up | 0.90% |
| $2,000 minimum balance requirement. Limited to six automatic debits, no more than three by check per month. Rates are subject to change. | |
| Certificates of Deposit & IRA CD's | ||
| Effective Date: January 20, 2020 | ||
| Term | Annual Percentage Yield $500 Minimum | Annual Percentage Yield $10,000 Minimum |
| 03 months | 0.60% | 0.85% |
| 06 months | 1.40% | 1.50% |
| 12 months | 1.70% | 1.85% |
| 24 months | 1.80% | 1.95% |
| 36 months | 1.90% | 2.05% |
| 48 months | 2.00% | 2.15% |
| 60 months | 2.10% | 2.25% |
| Minimum Certificate of Deposit (CD) Balance:$500. Interest is compounded monthly. Penalty for early withdrawal. | ||
Note: Fees could reduce the earnings on accounts. For a complete list of potential fees associated with these accounts, click here. The dividend rates listed are the current prospective quarterly dividend rates and are not guaranteed. The interest rates listed are guaranteed for the specified term, based on the date of issue, if applicable.
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