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 7 days after the funds have been received for your certificate. No withdrawals are permitted during the first 6 days following the receipt of funds.
Save to Win Certificate
| Term |
Dividend Rate |
Annual Percentage Yield** |
| 12 Month |
4.17% |
4.25%****** |
******Minimum balance to open the account and earn this APY is $25.
