Checking Rates
Effective Date: Tuesday, July 22nd, 2025
| Amount | Dividend Rate | APY* | Paid & Compounded |
|---|---|---|---|
| $10,000.00 + | .10% | .10% | Quarterly |
Savings
Effective Date: Tuesday, July 22nd, 2025
| Account | Dividend Rate | APY* | Paid & Compounded |
|---|---|---|---|
| Share Savings | .10% | .10% | Quarterly |
| Name it Yourself | .10% | .10% | Quarterly |
Compounding Certificates
Effective Date: Tuesday, July 22nd, 2025
Dividends are paid and compounded quarterly.
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 1.25% | 1.26% |
| 6 Month | $500.00 | 3.70% | 3.75% |
| 9 Month | $500.00 | 3.85% | 3.91% |
| 13 Month | $500.00 | 4.00% | 4.06% |
| 18 Month | $500.00 | 3.95% | 4.01% |
| 30 Month | $500.00 | 2.35% | 2.37% |
| 3 Year | $500.00 | 2.40% | 2.43% |
| 4 Year | $500.00 | 2.45% | 2.48% |
| 5 Year | $500.00 | 2.50% | 2.53% |
| We may impose a penalty if you withdraw funds before the maturity date. | |||
PLUS Certificates
Effective Date: Tuesday, July 22nd, 2025
1yr - Rate may be increased once during the term.
2yr - Rate may be increased twice during the term.
Dividends are paid and compounded quarterly.
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| We offer 1 year and 2 year term Plus Certificates. Plus Certificates are a special kind of savings option that allows you to increase the annual percentage yield, one time for the one year plus, or two times for the 2 year plus, during the certificate’s maturity period. With this option, you may choose to increase or bump-up the APY before your certificate matures to take advantage of rising interest rates. Talk to us about bumping up your savings today. | |||
| 1 Year | $500.00 | 3.75% | 3.81% |
| 2 Year | $500.00 | 2.30% | 2.32% |
| Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date. | |||
Jumbo Certificates
Effective Date: Tuesday, July 22nd, 2025
Dividends are paid and compounded quarterly.
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $20,000.00 | 1.30% | 1.31% |
| 6 Month | $50,000.00 | 3.75% | 3.81% |
| 9 Month | $50,000.00 | 3.90% | 3.96% |
| 12 Month | $50,000.00 | 3.80% | 3.85% |
| We may impose a penalty if you withdraw funds before the maturity date. | |||
Non-Compounding Certificates
Effective Date: Tuesday, July 22nd, 2025
These Certificates Do Not Compound:
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 1.25% | 1.25% |
| 6 Month | $500.00 | 3.70% | 3.70% |
| 9 Month | $500.00 | 3.85% | 3.85% |
| 1 Year | $500.00 | 3.75% | 3.75% |
| 13 Month | $500.00 | 4.00% | 4.00% |
| 18 Month | $500.00 | 3.95% | 3.95% |
| 2 Year | $500.00 | 2.30% | 2.30% |
| 30 Month | $500.00 | 2.35% | 2.35% |
| 3 Year | $500.00 | 2.40% | 2.40% |
| 4 Year | $500.00 | 2.45% | 2.45% |
| 5 Year | $500.00 | 2.50% | 2.50% |
| 1 Month-Jumbo | $10,000.00 | 0.15% | 0.15% |
| 2 Year-Jumbo | $50,000.00 | 2.35% | 2.35% |
| We may impose a penalty if you withdraw funds before the maturity date. | |||
Variable IRA Shares
Effective Date: Tuesday, July 22nd, 2025
Dividends are paid and compounded quarterly.
| Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Traditional | $0.00 | 1.55% | 1.56% |
| Roth | $0.00 | 1.55% | 1.56% |
| Education | $0.00 | 1.55% | 1.56% |
| We may impose a penalty if you withdraw funds before the maturity date. | |||
Money Market Accounts
Effective Date: Tuesday, July 22nd, 2025
Earn a higher rate of return on your savings! $5,000.00 minimum required to open.
| Money Market Tiers | Dividend Rate | APY* | Paid & Compounded |
|---|---|---|---|
| $0-$9,999.99 | 1.50% | 1.51% | Monthly |
| $10,000-$49,999.99 | 1.65% | 1.66% | Monthly |
| $50,000-$99,999.99 | 2.25% | 2.27% | Monthly |
| $100,000.00-Plus | 2.95% | 2.99% | Monthly |
*APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Rate may change after the account is opened.
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