Savings Account Rates

Savings, Youth, Club & IRA Accounts
Effective Date: 09/16/2019
NameMinimum BalanceAPRAPY*
Regular Savings $25 0.25% 0.25%
Youth Savings $25 0.25% 0.25%
Holiday Club $5 0.20% 0.20%
Vacation Club $5 0.20% 0.20%
Individual Retirement Accounts (IRAs) $0 0.75% 0.75%

Checking Accounts
Effective Date: 09/16/2019
NameMinimum BalanceAPRAPY*
Access Checking $0 0.10% 0.10%
Access MORE Checking $0 0.10% 0.10%

Money Market Accounts
Effective Date: 10/01/2019
Minimum BalanceAPRAPY*
$1,000 to $9,999.99 0.50% 0.50%
$10,000 to $24,999.99 0.55% 0.55%
$25,000 to $49,999.99 0.65% 0.65%
$50,000 and up 0.75% 0.75%

Share Certificates
Effective Date: 10/15/2019
NameMinimum BalanceAPRAPY*
3-Month Share Certificate $500 0.40% 0.40%
3-Month Jumbo Share Certificate $50,000 0.45% 0.45%
6-Month Share Certificate $500 0.55% 0.55%
6-Month Jumbo Share Certificate $50,000 0.60% 0.60%
12-Month Add-On Share Certificate $250 1.55% 1.56%
12-Month Share Certificate $500 1.60% 1.61%
24-Month Share Certificate $500 1.70% 1.71%
30-Month Share Certificate $500 1.80% 1.82%
36-Month Share Certificate $500 1.90% 1.92%
48-Month Share Certificate $500 2.15% 2.17%
60-Month Share Certificate $500 2.60% 2.63%
24-Month IRA Certificate $1000 1.70% 1.71%
36-Month IRA Certificate $1000 1.90% 1.92%
60-Month IRA Certificate $1000 2.60% 2.63%
*APY = Annual Percentage Yield.  Dividends on all savings accounts are calculated from your average daily balance; paid quarterly (monthly for Checking and Money Market Accounts).  Fees or other charges could reduce actual earnings.  Savings rates are variable and may change quarterly (monthly for Checking and Money Market Accounts, weekly for Share & IRA Certificates) as determined by the Board of Directors.  Share certificate rates remain fixed for the term of the certificate.  Fees or other charges may reduce actual earnings.  A penalty may be imposed for withdrawals before maturity.

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