Savings Rates

  • 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 3.93% 4.00%******

    ******Minimum balance to open the account and earn this APY is $25.

    • Rates are current as of January 28, 2025 unless otherwise noted and are subject to change.