Savings Accounts (Savings, Special Savings & Holiday Club Accounts)
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield** |
| $100.00 - $999.99 |
0.02% |
0.02% |
| $1,000.00 - $24,999.99 |
0.05% |
0.05% |
| $25,000.00 and over |
0.10% |
0.10% |
Money Market
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield** |
| $2,500.00 - $9,999.99 |
0.10% |
0.10% |
| $10,000.00 - $24,999.99 |
0.12% |
0.12% |
| $25,000.00 - $49,999.99 |
0.15% |
0.15% |
| $50,000.00 and over |
0.15% |
0.15% |
IRA Savings
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield** |
| $100.00 - $2,499.99 |
0.15% |
0.15% |
| $2,500.00 - $9,999.99 |
0.25% |
0.25% |
| $10,000.00 and over |
0.25% |
0.25% |
Checking Accounts (Regular Checking & Senior Checking Accounts)
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield** |
| $500.00 and over |
0.05% |
0.05% |
Checking Accounts (Premier Account)
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield** |
| $0.01 and over |
4.88% |
5.00%*** |
***APY = Annual Percentage Yield. Other restrictions may apply. 5% APY is earned on balances up to $25,000 if debit card is used to make at least 15 debit card transactions each month. Balances over $25,000 earns .01% APY. Must maintain minimum balance of $25. Limit one account per social security number.
Term Share Certificates & IRA Certificates
| Term |
Dividend Rate |
Tier 1 APY1 |
| 12 Month |
3.93% |
4.00% |
| 24 Month |
3.54% |
3.60% |
| 36 Month |
3.20% |
3.25% |
| 48 Month |
3.30% |
3.35% |
| 60 Month |
3.40% |
3.45% |
1 $1,000.00 minimum to open each regular account, $500.00 to open each youth account
Tier 2 CD's earn .05% over Tier 1 CD interest rate when opened or at renewal. $25,000.00 minimum to open each regular account
Tier 3 CD's earn .10% over Tier 1 CD interest rate when opened or at renewal. $50,000.00 minimum to open each regular account
*Substantial penalty may be imposed for early withdrawal
Freedom (No-Penalty) Certificate
| Term |
Dividend Rate |
Annual Percentage Yield** |
| 7 Month |
3.68% |
3.75%***** |
*****APY = Annual Percentage Yield. Minimum balance to open the account and earn this APY is $1,000. With a No-penalty certificate, you may withdraw the total balance and interest earned, without penalty, beginning 14 days after the funds have been received for your certificate. No withdrawals are permitted during the first 14 days following the receipt of funds.
Save to Win Certificate
| Term |
Dividend Rate |
Annual Percentage Yield** |
| 12 Month |
3.93% |
4.00%****** |
******Minimum balance to open the account and earn this APY is $25.
