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Savings Rates

Savings Accounts Rates
(Savings, Special Savings and Holiday Club Accounts)
Balances Annual Percentage Yield Compounding Frequency
$100 - $999.99 0.05% Monthly
$1,000 - $24,999.99
0.10% Monthly
$25,000 and over
0.15% Monthly
Starting over Savings Accounts Rates


Average Daily Balance
Annual Percentage Yield Compounding Frequency
Up to $999.99
1.06% Monthly
$1,000 - $1,999.99
1.11% Monthly
$2,000 - $24,999.99
0.10% Monthly
$25,000 and over 0.15% Monthly
Money MarketS Rates


Balances Annual Percentage Yield Compounding Frequency
$2,500 - $9,999.99 0.15% Monthly
$10,000 - $24,999.99 0.20% Monthly
$25,000 - $49,999.99 0.20% Monthly
$50,000 and over 0.20% Monthly
IRA Savings Accounts Rates


Balances Annual Percentage Yield Compounding Frequency
$100 - $2,499.99
0.15% Monthly
$2,500 - $9,999.99
0.25% Monthly
$10,000 and over
0.25% Monthly
Checking Accounts Rates
(includes Regular Checking & Senior Checking Accounts)


Balances Annual Percentage Yield Compounding Frequency
$500 and over
0.05% Monthly
CHECKING OVERDRAFT PROTECTION - (loan)

Line of Credit Overdraft Protection
18%
N/A
Term Share CERTIFICATES & IRA CERTIFICATES Rates
Term Tier 1 APY 1
Tier 2 APY 2 Tier 3 APY 3
3 Month
0.35% 0.40%
0.45%
6 Month
0.64% 0.69% 0.74%
12 Month
1.06% 1.11% 1.16%
18 Month
1.18% 1.23% 1.28%
24 Month
1.30% 1.35% 1.40%
36 Month
1.67% 1.72% 1.77%
48 Month
1.91% 1.96% 2.01%
60 Month
2.13% 2.18% 2.23%

1 $1,000 minimum to open each regular account, $500 to open each youth account
2 $25,000 minimum to open each regular account
3 $50,000 minimum to open each regular account
*Substantial penalty may be imposed for early withdrawal

STEP UP Term SHARE Certificates & IRA Certificates
Term Tier 1 APY 1
Tier 2 APY 2 Tier 3 APY 3
24 Month
1.04% 1.10% 1.15%
36 Month
1.42% 1.47% 1.52%
48 Month
1.65% 1.70% 1.75%
60 Month
1.88% 1.93% 1.98%

1 $5,000 minimum to open each regular account
2 $25,000 minimum to open each regular account
3 $50,000 minimum to open each regular account
*Substantial penalty may be imposed for early withdrawal

Rates are current as of December 2018 unless otherwise noted and are subject to change.