Rates subject to change. Effective as of April 1, 2018

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 0.30% 0.30%
3 MONTH (AGE 65+) Age 65 or Older 0.35% 0.35%
6 MONTH $500 Minimum 0.35% 0.35%
6 MONTH (AGE 65+) Age 65 or Older 0.40% 0.40%
7 MONTH $1,000 Minimum 0.50% 0.50%
12 MONTH $500 Minimum 0.55% 0.55%
12 MONTH (AGE 65+) Age 65 or Older 0.60% 0.60%
13 MONTH $1,000 Minimum 0.65% 0.65%
24 MONTH $500 Minimum 1.00% 1.00%
24 MONTH (AGE 65+) Age 65 or Older 1.05% 1.05%
27 MONTH $1,000 Minimum 1.10% 1.10%
36 MONTH $500 Minimum 1.30% 1.30%
36 MONTH (AGE 65+) Age 65 or Older 1.40% 1.40%
48 MONTH $1,000 Minimum 1.40% 1.40%
48 MONTH (AGE 65+) Age 65 or Older 1.50% 1.50%
12 MO. YOUTH STARTER CERT. New money can be added. $250 Minimum For savers age 18 and under. 0.60% 0.60%
18 MO. DIRECT DEPOSIT CERTIFICATE $500 Minimum Funding & additions to certificate thru Direct Deposit or scheduled ACH deposits. 0.60% 0.60%
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 and Roth options available for either Club or Certificate accounts.
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 Acct: $1,000.00 Minimum Balance Ranges $100 Min. Withdrawal APR APY
$1,000 – $10,000 0.10% 0.10%
$10,000 – $25,000 0.15% 0.15%
$25,000 – $50,000 0.25% 0.25%
over – $50,000 0.30% 0.30%
Premier Money Market: $10,000.00 MIN. $1,000.00 min. Withdrawal. Other restrictions apply.
Balance Ranges
$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%