Savings Rates

Current Rates Effective January 02, 2019 

Share Savings Certificate of Deposit Programs

Term/MonthsMinimum BalanceDividend PaidAPR Rate %APY Yield %
6$500.00Term0.25%0.25%
12$500.00Quarterly0.50%0.50%
18$1,000.00Quarterly0.60%0.60%
24$1,000.00Quarterly0.70%0.70%
30$1,000.00Quarterly0.75%0.75%
36$1,000.00Quarterly0.80%0.80%

All Certificates have Add-On Capability

Special Certificate of Deposit Programs

Term/MonthsMinimum BalanceDividend PaidAPR Rate %APY Yield %
19$1,000.00 (new money only)Quarterly1.99%2.00%
36$1,000.00 (new money only)Quarterly2.48%2.50%

IRA Traditional and Roth Share Certificate of Deposit Programs

Term/MonthsMinimum BalanceDividend PaidAPR Rate %APY Yield %
12$500.00Quarterly0.25%0.25%
18$500.00Quarterly0.30%0.30%
24$500.00Quarterly0.35%0.35%
36$500.00Quarterly0.40%0.40%

Jumbo Share Savings Certificate of Deposit

Term/MonthsMinimum BalanceDividend PaidAPR Rate %APY Yield %
1280,000.00Monthly/Quarterly0.75%0.75%

Disclosure for Share Savings and IRA Certificates of Deposit

Annual Percentage Yield (APY) assumes that your money remains in the account until maturity. A penalty may be imposed for early withdrawal. Withdrawals and penalties may reduce earnings. Rates subject to change at any time without notice.

Regular Share Savings Account

Minimum Balance Required to Earn DividendAPR Rate %APY Yield %
$500.00 – $20,000.000.03%0.03%
$20,000.01 – $50,000.000.07%0.07%
$50,000.01 +0.10%0.10%

The dividend rates on Share Savings are declared at the end of each quarter. Dividends are calculated by the daily balance method and paid quarterly. The Annual Percentage Yield (APY) is based on the minimum daily balance being maintained each day.

Savings Incentive Account

Minimum Balance Required to Earn DividendAPR Rate %APY Yield %
$500.00 +0.03%0.03%

Holiday and Vacation Club Accounts

Minimum Balance Required to Earn DividendAPR Rate %APY Yield %
$100.000.03%0.03%

The dividend rates on Holiday and Vacation Savings are declared at the end of each quarter.

Checking Accounts

Minimum Balance Required to Earn DividendAPR Rate %APY Yield %
$500.000.03%0.03%

Money Market

Minimum BalanceDividend PaidAPRAPY
$500 – $20,000Quarterly0.05%0.05%
$20,000.01 – $50,000.00Quarterly0.15%0.15%
$50,000.01 and greaterQuarterly0.30%0.30%
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