Deposit Rates

Effective 12/2/2022

Primary Savings
minimum to open: $5.00 minimum to earn dividends: $5.00
BalanceRateAPY**
All balances 0.05% 0.05%

Business Savings
minimum to open: $5.00 minimum to earn dividends: $5.00
BalanceRateAPY**
All balances 0.20% 0.20%

Special Savings, Holiday Savings and IRA Savings
minimum to open: $5.00 minimum to earn dividends: none
BalanceRateAPY**
All balances 0.20% 0.20%

Checking and Business Checking
minimum to open: $10.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $24,999 0.00% 0.00%
$25,000 and over 0.25% 0.25%

Money Market Savings and IRA Money Market Savings
minimum to open: $1,000.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.90% 0.90%
$25,000 - $49,999.99 0.95% 0.95%
$50,000 - $99,999.99 1.00% 1.00%
$100,000 - $250,000 1.10% 1.11%
250,000 and over 1.20% 1.21%

Share Certificates and IRA Certificates
minimum to open: $500.00 minimum to earn dividends: $500.00
TermRateAPY**
6 month 1.24% 1.25%
12 month 1.34% 1.35%
24 month 2.57% 2.60%
36 month 2.86% 2.90%
48 month 2.57% 2.60%
60 month 3.20% 3.25%

Special 13-Month Share Certificate
minimum to open: $25,000.00 minimum to earn dividends: $25,000.00
TermRateAPY**
13 month 3.45% 3.50%

Special 19-Month Share Certificate
minimum to open: $25,000.00 minimum to earn dividends: $25,000.00
TermRateAPY**
19 month 3.45% 3.50%

Bump-Up Share Certificate
minimum to open: $5,000.00 minimum to earn dividends: $5,000.00
TermRateAPY**
36 month 2.67% 2.70%

**APY= Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details. 

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