Account Rates


Certificate Accounts

**$500.00-4,999.00 $5,000.00-9,999.00 $10,000.00 & up
Length **Junior Share Certificate Minimum Regular Share Certificate Minimum APR APY* APR APY* APR APY* Early Withdrawal
6 mos. N/A $1,000.00 1.40 N/A 1.50 N/A 1.65 N/A 30 Days
12 mos. $250.00 $500.00 1.70 1.71 1.80 1.81 1.95 1.96 60 Days
18 mos. $250.00 $500.00 1.75 1.76 1.85 1.86 2.00 2.02 60 Days
24 mos. $250.00 $500.00 1.80 1.81 1.90 1.91 2.05 2.07 60 Days
36 mos. $250.00 $500.00 2.00 2.02 2.10 2.12 2.25 2.27 90 Days
48 mos. $250.00 $500.00 2.10 2.12 2.20 2.22 2.35 2.37 90 Days
60 mos. $250.00 $500.00 2.30 2.32 2.40 2.42 2.55 2.57 90 Days

Note: Dividends paid only at maturity on 6 month SC’s. Dividends may be paid at maturity on all SC’s with term not exceeding one year. Rates and conditions subject to change without notice. Dividends on 12, 18, 24 36, 48, or 60 month SC’s may be paid monthly or quarterly by being deposited into a share account, mailed or compounded back into the SC. Note: All Junior Share Certificates are for members 18 years of age and under. All Junior Share Certificates will be required to have a Joint Owner on the Certificate with them that is over the age of 18. After the member reaches the age of 19 a renewing Junior Share Certificate will be deposited into the savings account automatically (no automatic renewal). At that point they may roll the monies over into a Regular Share Certificate at the higher minimum deposit requirements. (Effective August 13, 2019)


Standard Account Dividends

Savings Account 2nd Quarter Declared 3rd Quarter Anticipated
APR APY* APR APY*
Savings (S1) & T-accounts (S5) 0.20% 0.20% 0.20% 0.20%
Checking (S2) 0.00 0.00 0.00 0.00
Christmas (S3) & Vacation Clubs (S4) 0.20% 0.20% 0.20% 0.20%

* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends.


Money Market Account Dividends

Savings Account August 2019 Declared September 2019 Anticipated
Money Market Savings APR APY* APR APY*
$2,000.00 - $20,000.00 1.00 1.00 1.00 1.00
$20,000.00 - $75,000.00 1.10 1.10 1.10 1.10
$75,000.01 and Over 1.20 1.20 1.20 1.20
Money Market Checking APR APY* APR APY*
$2,500.00 - $10,000.00 0.15 0.15 0.15 0.15
$10,000.00 and Over 0.25 0.25 0.25 0.25

* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends. Money Market rates effective since December 27, 2018.