Savings Rates

Rates effective as of 12/27/2017. Rates subject to change.

Regular Share Savings
Minimum share requirement of $5.00 to join and open primary share suffix 100. No minimum balance required to open member specified suffixes 101 – 109. Dividens accrue daily on balances = or > $0.01 and are paid monthly. On balances under $100, a semi-annual dormancy fee of $50.00 applies after 365 consecutive days of no activity.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
0.01 – 50,000.99 .05% .05%
> 50,001 .10% .10%

Share Certificate
$1,000 minimum balance required to open and additional deposits are not allowed. Dividends accrue daily on balances = > $0.01 and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.90% 0.90%
18 months 0.95% 0.95%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.45% 1.46%
60 months 1.60% 1.61%

IRA Share Savings
No minimum balance required to open. Dividends accrue daily on balances = > $0.01 and are paid monthly.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
0.01 – 50,000.99 .05% .05%
> 50,001 .10% .10%

IRA Share Certificate
$1,000 minimum balance required to open and additional deposits of current or prior year contributions only are allowed. Dividends accrue daily on balances = > $0.01 and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.90% 0.90%
18 months 0.95% 0.95%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.45% 1.46%
60 months 1.60% 1.61%

Money Market Accounts
$1,000 minimum balance required. Dividends accrue daily on balances = > $1,000 and are paid monthly. $20 fee for each transaction over 5 per month; $20 fee per day for balances less than $1,000.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
1,000 – 20,000.99 .15% .15%
20,001 – 50,000.99 .30% .30%
50,001 – 75,000.99 .40% .40%
> 75,001 .50% .50%