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Interest Rates

Interest Rates for Savings Products

We post interest rates as a convenience for you in making financial decisions.  Remember, rates are subject to change without notice. Rates as of 08/12/2016 can be found below.

Contact your local branch for today’s rates.

Savings Programs
Type Minimum Balance to Earn Dividends Nominal Dividend Rate Annual Percentage Yield
Share Savings $5 0.10% 0.10%
IRA Share Savings $5 0.25% 0.25%
Christmas Savings $5 0.10% 0.10%
Vacation Savings $5 0.10% 0.10%

 

Checking
Minimum Balance to Earn Interest Nominal Dividend Rate Annual Percentage Yield
Better Than Free Checking n/a n/a n/a
Credit Builder Checking n/a n/a n/a
Better Than Free Checking + Interest $1,000 0.10% 0.10%

 

Money Market
Balance Nominal Dividend Rate Annual Percentage Yield
$2000 – 9,999 0.15% 0.15%
$10,000 – 24,999 0.20% 0.20%
$25,000 – 49,999 0.25% 0.25%
$50,000 and over 0.25% 0.25%
NOTE: No dividends are earned if balance falls below $2000

 

Term Share Certificates
Term Minimum Balance to Earn Dividends Nominal Dividend Rate Annual Percentage Yield
3-Month $1,000 0.15% 0.15%
6-Month $1,000 0.30% 0.30%
12-Month $1,000 0.50% 0.50%
18-Month $1,000 0.60% 0.60%
24-Month $1,000 0.80% 0.80%
30-Month $1,000 1.00% 1.00%
36-Month $1,000 1.05% 1.05%
48-Month $1,000 1.15% 1.16%
60-Month $1,000 1.30% 1.31%
Penalty may be imposed for early withdrawal and subject to account closure
*NOTE: Minimum balance is $100 for members under 18 (Excluding Specials).

 

Individual Retirement Accounts
Type Minimum Balance to Earn Dividends Nominal Dividend Rate Annual Percentage Yield
Traditional, Roth and Coverdell IRA
12-Month IRA $1,000 0.60% 0.60%
18-Month IRA $1,000 0.70% 0.70%
24-Month IRA $1,000 0.90% 0.90%
30-Month IRA $1,000 1.10% 1.10%
36-Month IRA $1,000 1.15% 1.15%
48-Month IRA $1,000 1.25% 1.26%
60-Month IRA $1,000 1.40% 1.41%
Penalty may be imposed for early withdrawal.

The rate for Savings, Checking and Money Market Accounts may change after the accounts are opened. Fees could reduce the earnings on the account.