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Savings Rates

Effective : 02/18/2025

Share Rates
Type Dividend Rate APY
Primary Share ($30.00 minimum balance required) 0.60% 0.60%
Secondary Shares (No minimum balance required) 0.60% 0.60%
Christmas Club (Penalty may be imposed for early withdrawal) 2.00% 2.00
HSA Rates
Type Dividend Rate APY
HSA Share Draft 0.60% 0.60%
Share Certificate Rates
Type Dividend Rate APY**
3 mo - $1,000.00 minimum 3.90% 3.957%
6 mo - $1,000.00 minimum 3.90% 3.957%
12 mo - $1,000.00 minimum 3.60% 3.65%
15 mo - $1,000.00 minimum 3.50% 3.55%
18 mo - $1,000.00 minimum 3.50% 3.55%

Shares: APY – (Annual Percentage Yield) is accurate as of the last dividend declaration date. 

**APY is annual percentage yield. Rates quoted are in effect 09/01/2025 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity.

Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.

Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.

You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.