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.
