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Savings
Deposit Rates
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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: September 1, 2021
Account TypeAnnual Percentage Yield (APY)
Base Savings Account (000) 0.05%
Dividends are paid on balances over $100, excluding youth accounts. $5 minimum balance required for membership. No annual maintenance fees. Rates are subject to change at anytime.
Premium Savings Account (004) 0.05%
$100.00 minimum balance to earn a dividend. Dividends compounded quarterly. No annual maintenance fees. Rates are subject to change at anytime.
Christmas Savings (017) 0.05%
Christmas Savings balances are transferred on November 1st of each year.  No minimum balance required. No annual maintenance fees. Rates are subject to change at anytime.
Vacation Savings 0.05%
No minimum balance required. Dividends compounded quarterly. No annual maintenance fees. Rates are subject to change at anytime.
Sub-Share Accounts (001-003) 0.05%
No minimum balance required. Dividends compounded quarterly. No annual maintenance fees. Rates are subject to change at anytime.

IRA Share Account
Effective Date: September 1, 2021
Account Type Annual Percentage Yield (APY)
Individual Retirement Account (IRA) Share Account 0.20%
No minimum balance or minimum deposit requirement. No annual maintenance fees. Rates are subject to change without notice.

Rates are subject to change without notice. Earnings could be reduced by fees, if applicable. APY = Annual Percentage Yield.

Dividend Rates

Health Savings Account (HSA)
Effective Date: September 1, 2021
Account TypeAnnual Percentage Yield
Health Savings Account (HSA) 0.20%
HSA eligibility required. No annual maintenance fees. Rates are subject to change at anytime.

Insured Money Market Savings Account
Effective Date: September 1, 2021
AmountAnnual Percentage Yield
$0 to $1,999.99 0.00%
$2,000 to $24,999 0.10%
$25,000 to $49,999 0.12%
$50,000 to $99,999 0.15%
$100,000 and up 0.18%
$2,000 minimum balance requirement. Limited to six automatic debits, no more than three by check per month. No annual maintenance fees. Rates are subject to change at anytime.

Certificates of Deposit & IRA Certificates
Effective Date: September 1, 2021
TermAnnual Percentage Yield
$500 Minimum
Annual Percentage Yield
$10,000 Minimum
03 months 0.15% 0.15%
06 months 0.25% 0.25%
12 months 0.35% 0.35%
24 months 0.45% 0.45%
36 months 0.55% 0.55%
48 months 0.65% 0.65%
60 months 0.75% 0.75%
Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Fees could reduce the earnings on account. For a complete list of potential fees associated with these accounts, click here. Rates are guaranteed for the specific term, based on the date of issue. Rates are subject to change without notice. 

 

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