Rates subject to change. Effective as of January 7, 2019.

Conditions or fees may reduce the earnings on the account. Early surrender penalties apply.
 

Share Certificates Terms/Minimums. Annual Percentage Yield(APY). Early Surrender Penalties Apply. APR APY
3 MONTH $500 Minimum 0.45% 0.451%
3 MONTH (AGE 65+) Age 65 or Older 0.55% 0.551%
6 MONTH $500 Minimum 0.65% 0.652%
6 MONTH (AGE 65+) Age 65 or Older 0.75% 0.753%
7 MONTH $1,000 Minimum 0.85% 0.853%
12 MONTH $500 Minimum 0.90% 0.904%
12 MONTH (AGE 65+) Age 65 or Older 1.15% 1.156%
13 MONTH $1,000 Minimum 1.15% 1.156%
24 MONTH $500 Minimum 2.00% 2.02%
24 MONTH (AGE 65+) Age 65 or Older 2.25% 2.273%
27 MONTH $1,000 Minimum 1.65% 1.663%
36 MONTH $500 Minimum 2.15% 2.171%
36 MONTH (AGE 65+) Age 65 or Older 2.40% 2.427%
48 MONTH $1,000 Minimum 2.35% 2.375%
48 MONTH (AGE 65+) Age 65 or Older 2.60% 2.631%
12 MO. YOUTH STARTER CERT. New money can be added. $250 Minimum For savers age 18 and under. 1.00% 1.005%
18 MO. DIRECT DEPOSIT CERTIFICATE $500 Minimum Funding & additions to certificate thru Direct Deposit or scheduled ACH deposits. 1.15% 1.156%
Pay Yourself First CD Term length matches length of loan. [Ex. 36 month auto loan = 36 month cert.] Direct Deposit required for loan payments and certificate
funding. Certificate additions limited to an amount no more than 10% of loan payment.
Varied based on type of loan and borrower’s qualifications. Varied based on type of loan and borrower’s qualifications.
Individual Retirement Accounts (IRA) Traditional & Roth options available for renewal only for either Club or Certificate Accounts. APR APY
IRA Club 0.10% 0.10%
12 MONTH IRA CD 0.90% 0.904%
18 MONTH IRA CD 1.15% 1.156%
24 MONTH IRA CD 2.00% 2.02%
Savings Accounts Balance Ranges for each “type” of account. APR APY
Membership Savings $5 Minimum. $100 to accrue dividends. 0.10% 0.10%
Christmas Club $1.00 Min. to open and for earning dividend. Fee-free withdrawals Oct. – Jan. 0.10% 0.10%
Special Savings Club $1.00 Min. to open and for earning dividend. Fee-free withdrawals. 0.10% 0.10%
Systematic Club Account APR/APY not tiered to a balance range. No minimum amount to open or earn dividends. No low balance fee. Free withdrawals in April, otherwise $15.00 ea. 0.10% 0.10%
Checking Rates Balance Ranges for each “type” of account. APR APY
Investment Checking $1,000 min. to earn dividend and avoid $10.00/mo Low Balance Fee. 0.10% 0.10%
Money Market Accounts $1,000.00 Minimum Balance Required Minimum Withdrawal of $100  Maintain Min. Bal. to Avoid $5/mo Low Balance Fee.
-BALANCE RANGES-
APR APY
$1,000 – $10,000 0.15% 0.15%
$10,000 – $25,000 0.20% 0.20%
$25,000 – $50,000 0.25% 0.25%
over – $50,000 0.30% 0.30%

Premier Money
Market Accounts
$10,000.00 Minimum Balance Required

Minimum Withdrawal of $1,000 Maintain Min. Bal. to Avoid $10/mo Low Balance Fee.
-BALANCE RANGES-
APR APY
$10,000.01 – $25,000.00 0.30% 0.30%
$25,000.01 – $50,000.00 0.35% 0.35%
$50,000.01 – $75,000.00 0.45% 0.45%
$75,000.01 – $100,000.00 0.50% 0.50%
OVER $100,000.00 0.55% 0.55%