Deposit Rates
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Prospective Dividend Rates

The rates listed above are the current prospective quarterly dividend rates and are not guaranteed.

Share (Savings) Rates
Effective Date: August 1, 2016
Account TypeAnnual 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%
Christmas Club balances are transferred on November 1st of each year.  $10 early withdrawal penalty fee.
Vacation Club (008) 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 club/sub account.  Dividends compounded quarterly

IRA Share Account [020]
Effective Date: August 1, 2016
Account TypeAnnual 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.

Insured Money Market Savings Account [009]
Effective Date: August 1, 2016
AmountAnnual Percentage Yield
$2,000 to $24,999 0.20%
$25,000 to $49,999 0.20%
$50,000 to $99,999 0.20%
$100,000 and up 0.25%
$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 [300-399]
Effective Date: August 1, 2016
TermAnnual Percentage Yield
$500 Minimum
Annual Percentage Yield
$10,000 Minimum
03 months 0.20% 0.20%
06 months 0.40% 0.40%
12 months 0.55% 0.55%
24 months 1.00% 1.00%
36 months 1.40% 1.40%
48 months 1.75% 1.75%
60 months 2.00% 2.00%
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.