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Checking & Savings Accounts

All Deposit Rates (Effective February 16, 2018)

Savings Account Rates

Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%
Holiday/Vacation Club $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%
Youth Savings Account $0 but less than  $1,000.00   2.10% 2.10%
$1,000.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

Personal Checking Account Rates

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Annual Percentage Yield (APY) Anticipated Dividend Rate
Relationship PLUS Checking 0.05% 0.05%

Money Management Account Rates

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Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Dividend Rate
Money Management $0 but less than $2,500.00 0.25% 0.25%
$2,500.00 but less than $10,000.00 0.25% - 0.29% 0.30%
$10,000 or more 0.29% - 0.35%  0.35%
Money Management Plus $0 but less than $25,000.00  0.43%  0.43%
$25,000.00 but less than $50,000.00  0.43% - 0.46%  0.48%
$50,000 or more  0.46% - 0.53%  0.53%

Share Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.55% 0.55%
12-month $1,000 1.01% 1.00%
15-month $250 0.75% 0.75%
18-month $1,000 1.22% 1.21%
24-month $1,000 1.67% 1.66%
Special
30-Month Featured Rate
$1,000 2.01% 1.99%
36-Month $1,000 1.91% 1.90%
48-Month $1,000 2.07% 2.05%
60-Month $1,000 2.28% 2.25%

Jumbo Share Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 1.06% 1.05%
12-month $100,000 1.11% 1.10%
18-month $50,000 1.27% 1.26%
18-month $100,000 1.32% 1.31%
24-month $50,000 1.72% 1.71%
24-month $100,000 1.78% 1.76%
Special
30-Month Featured Rate
$50,000 2.03% 2.01%
Special
30-Month Featured Rate
$100,000 2.11% 2.09%
36-Month $50,000 1.96% 1.95%
36-Month $100,000 2.02% 2.00%
48-Month $50,000 2.12% 2.10%
48-Month $100,000 2.17% 2.15%
60-month rate $50,000 2.33% 2.30%
60-month rate $100,000 2.38% 2.35%

IRA Share Rates (Traditional & Roth)

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Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

IRA Certificate Rates (Traditional & Roth)

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.55% 0.55%
12-month $1,000 1.01% 1.00%
15-month $250 0.75% 0.75%
18-month $1,000 1.22% 1.21%
24-month $1,000 1.67% 1.66%
Special
30-Month Featured Rate
$1,000 2.01% 1.99%
36-Month $1,000 1.91% 1.90%
48-Month $1,000 2.07% 2.05%
60-Month $1,000 2.28% 2.25%

Jumbo IRA Certificates Rates (Traditional & Roth

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 1.06% 1.05%
12-month $100,000 1.11% 1.10%
18-month $50,000 1.27% 1.26%
18-month $100,000 1.32% 1.31%
24-month $50,000 1.72% 1.71%
24-month $100,000 1.78% 1.76%
Special
30-Month Featured Rate
$50,000 2.03% 2.01%
Special
30-Month Featured Rate
$100,000 2.11% 2.09%
36-Month $50,000 1.96% 1.95%
36-Month $100,000 2.02% 2.00%
48-Month $50,000 2.12% 2.10%
48-Month $100,000 2.17% 2.15%
60-month rate $50,000 2.33% 2.30%
60-month rate $100,000 2.38% 2.35%

Coverdell ESA Savings Rates

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Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

Coverdell ESA Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.55% 0.55%
12-month $1,000 1.01% 1.00%
15-month $250 0.75% 0.75%
18-month $1,000 1.22% 1.21%
24-month $1,000 1.67% 1.66%
Special
30-Month Featured Rate
$1,000 2.01% 1.99%
36-Month $1,000 1.91% 1.90%
48-Month $1,000 2.07% 2.05%
60-Month $1,000 2.28% 2.25%

Coverdell ESA Jumbo Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 1.06% 1.05%
12-month $100,000 1.11% 1.10%
18-month $50,000 1.27% 1.26%
18-month $100,000 1.32% 1.31%
24-month $50,000 1.72% 1.71%
24-month $100,000 1.78% 1.76%
Special
30-Month Featured Rate
$50,000 2.03% 2.01%
Special
30-Month Featured Rate
$100,000 2.11% 2.09%
36-Month $50,000 1.96% 1.95%
36-Month $100,000 2.02% 2.00%
48-Month $50,000 2.12% 2.10%
48-Month $100,000 2.17% 2.15%
60-month rate $50,000 2.33% 2.30%
60-month rate $100,000 2.38% 2.35%

Disclosures

  • APY = Annual Percentage Yield.
  • Rates are variable and subject to change at any time, including after account opening.
  • The minimum balance to open each share type and to avoid fees can be found in the Truth In Savings Disclosure.
  • Fees may reduce earnings.
  • Members will forfeit dividends if they close an account before accrued dividends are credited.