Rates Effective January 1, 2020

  • Fixed Rate Share Certificates1
      Dividend Rate Annual Percentage Yield
    6 Month Certificate 1.00% 1.00%
    12 Month Certificate 1.75% 1.76%
    24 Month Certificate 2.25% 2.27%
    36 Month Certificate 2.50% 2.52%
    48 Month Certificate 2.75% 2.78%
    60 Month Certificate 3.00% 3.03%
    84 Month Certificate2,4 3.25% 3.29%
    84 Month Loyalty Certificate2,3 4.50% 4.58%
    Youth Certificate – 12 Months 1.75% 1.76%

    Minimum balance required to open and earn the APY is $500.

    Terms & Conditions

  • Fixed Rate IRA Share Certificates1
      Dividend Rate Annual Percentage Yield
    12 Month IRA 1.85% 1.86%
    24 Month IRA 2.35% 2.37%
    36 Month IRA 2.60% 2.63%
    48 Month IRA 2.85% 2.88%
    60 Month IRA 3.10% 3.14%
    84 Month IRA2,4 3.35% 3.39%
    84 Month Loyalty IRA2,3 4.60% 4.68%

    Minimum balance required to open and earn the APY is $500.

    Terms & Conditions

  • Variable Rate IRA Share Certificate
      Dividend Rate Annual Percentage Yield
    Variable Rate IRA Share Certificate5 0.80% 0.80%

    Minimum balance required to open and earn the APY is $500.

    Terms & Conditions

  • Checking Account
      Dividend Rate Annual Percentage Yield
    Checking Account 0.05% 0.05%

    $0 minimum deposit for our Checking Account.

    Terms & Conditions

  • Share Savings Accounts
      Dividend Rate Annual Percentage Yield
    Share Saving Account
    $5 Minimum    		 0.25% 0.25%
    Loyalty Select6
    $0 Minimum    		 5.25% 5.38%
    Christmas Club
    $0 Minimum    		 0.25% 0.25%
    Money Market Plus7
    $1,000 - $24,999
    $1,000 Minimum    		 0.60% 0.60%
    Money Market Plus7
    $25,000 - $49,999
    $25,000 Minimum    		 0.70% 0.70%
    Money Market Plus7
    $50,000 or more
    $50,000 Minimum    		 0.80% 0.80%

    Minimum balance required to open and earn the APY is listed above.

    Terms & Conditions

The Par Value of a Membership is $5.00.

  Dividends Compounded Dividends Credited Dividend Period
Share Savings Account Monthly Monthly Monthly
Loyalty Select Monthly Monthly Monthly
Money Market Plus Monthly Monthly Monthly
Christmas Club Monthly Monthly Monthly
Checking Account Monthly Monthly Monthly
Fixed Rate Share
Certificates and IRA Share
Certificates		 At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. At maturity for terms less than 12 months. Quarterly for terms of 12 months or more.
Variable Rate IRA Share
Certificate		 Monthly Monthly Monthly
Youth Certificate Quarterly Quarterly Quarterly