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Checking & Savings Accounts

All Deposit Rates (Effective August 1, 2017)

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 0.13% 0.13%
$2,500.00 but less than $10,000.00 0.13% - 0.17% 0.18%
$10,000 or more 0.17% - 0.23%  0.23%
Money Management Plus $0 but less than $25,000.00  0.31%  0.31%
$25,000.00 but less than $50,000.00  0.31% - 0.34%  0.36%
$50,000 or more  0.34% - 0.41%  0.41%

Share Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.40% 0.40%
12-month $1,000 0.54% 0.54%
15-month $250 0.40% 0.40%
18-month $1,000 0.54% 0.54%
24-month $1,000 1.01% 1.00%
Special! Limited Time
36-Month Featured Rate		 $1,000 1.91% 1.90%
48-month rate $1,000 1.61% 1.60%
Special! Limited Time
60-Month Featured Rate		 $1,000 2.11% 2.09%

Jumbo Share Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.59% 0.59%
12-month $100,000 0.64% 0.64%
18-month $50,000 0.59% 0.59%
18-month $100,000 0.64% 0.64%
24-month $50,000 1.05% 1.05%
24-month $100,000 1.11% 1.10%
Special! Limited Time
36-Month Featured Rate		 $50,000 1.96% 1.95%
Special! Limited Time
36-Month Featured Rate		 $100,000 2.02% 2.00%
48-month rate $50,000 1.66% 1.65%
48-month rate $100,000 1.71% 1.70%
60-month rate $50,000 2.16% 2.14%
60-month rate $100,000 2.21% 2.19%

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 0.40% 0.40%
12-month $1,000 0.54% 0.54%
15-month $250 0.40% 0.40%
18-month $1,000 0.54% 0.54%
24-month $1,000 1.01% 1.00%
Special! Limited Time
36-Month Featured Rate		 $1,000 1.91% 1.90%
48-month rate $1,000 1.61% 1.60%
Special! Limited Time
60-Month Featured Rate		 $1,000 2.11% 2.09%

Jumbo IRA Certificates Rates (Traditional & Roth)

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.59% 0.59%
12-month $100,000 0.64% 0.64%
18-month $50,000 0.59% 0.59%
18-month $100,000 0.64% 0.64%
24-month $50,000 1.05% 1.05%
24-month $100,000 1.11% 1.10%
Special! Limited Time
36-Month Featured Rate		 $50,000 1.96% 1.95%
Special! Limited Time
36-Month Featured Rate		 $100,000 2.02% 2.00%
48-month rate $50,000 1.66% 1.65%
48-month rate $100,000 1.71% 1.70%
60-month rate $50,000 2.16% 2.14%
60-month rate $100,000 2.21% 2.19%

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 0.40% 0.40%
12-month $1,000 0.54% 0.54%
15-month $250 0.40% 0.40%
18-month $1,000 0.54% 0.54%
24-month $1,000 1.01% 1.00%
Special! Limited Time
36-Month Featured Rate		 $1,000 1.91% 1.90%
48-month rate $1,000 1.61% 1.60%
Special! Limited Time
60-Month Featured Rate		 $1,000 2.11% 2.09%

Coverdell ESA Jumbo Certificate Rates

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Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.59% 0.59%
12-month $100,000 0.64% 0.64%
18-month $50,000 0.59% 0.59%
18-month $100,000 0.64% 0.64%
24-month $50,000 1.05% 1.05%
24-month $100,000 1.11% 1.10%
Special! Limited Time
36-Month Featured Rate		 $50,000 1.96% 1.95%
Special! Limited Time
36-Month Featured Rate		 $100,000 2.02% 2.00%
48-month rate $50,000 1.66% 1.65%
48-month rate $100,000 1.71% 1.70%
60-month rate $50,000 2.16% 2.14%
60-month rate $100,000 2.21% 2.19%

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.
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