Savings & Certificates Rates

Share and Certificate rates subject to change without notice. Rates effective as of 1/20/22.

Declared Dividend for the 4th Quarter 2021:

  APR APY
01 / Regular Share (min. $100) 0.03% 0.03%
03 / Business Share (min. $100) 0.03% 0.03%
10 / Club (Holiday) 0.03% 0.03%
11 / Club (Vacation) 0.03% 0.03%
73 / Enterprise Checking (Business Checking) No Dividend Paid No Dividend Paid
75 / Draft Checking No Dividend Paid No Dividend Paid
79 / Cash Management (> $75,000.00) 0.20% 0.20%
79 / Cash Management ($50,000 - $74,999.99) 0.15% 0.15%
79 / Cash Management ($25,000 - $49,999.99) 0.10% 0.10%
79 / Cash Management ($10,000 - $24,999.99) 0.10% 0.10%
79 / Cash Management (min. $2,000 - $9,999.99) 0.05% 0.05%
81/91/97 IRA Activity Account (>$10,000) 0.05% 0.05%
81/91/97 IRA Activity Account ($100 - $9,999) 0.03% 0.03%
91 / Roth Activity Account Same rates and terms as IRA activity account above
95 / Coverdell ESA (min $500) Same rates and terms as IRA activity account above
97 / Coverdell ESA Activity Account Same rates and terms as IRA activity account above

Retirement Calculator

 

IRA Share Certificates:

  APR APY
89 / 6 Month - Int. Monthly (min. $500) 0.25% 0.25%
83 / 12 Month - Int. Monthly (min. $500)  0.30% 0.30%
84 / 24 Month - Int. Monthly (min. $500) 0.35% 0.35%
85 / 30 Month - Int. Monthly (min. $500) 0.50% 0.50%
86 / 36 Month - Int. Monthly (min. $500) 0.60% 0.60%
87 / 48 Month - Int. Monthly (min. $500) 0.65% 0.65%
88 / 60 Month - Int. Monthly (min. $500) 0.75% 0.75%

Retirement Calculator

 

ROTH IRA Share Certificates:

  APR APY
69 / 6 Month - Int. Monthly (min. $500) 0.25% 0.25%
63 / 12 Month - Int. Monthly (min. $500)  0.30% 0.30%
64 / 24 Month - Int. Monthly (min. $500) 0.35% 0.35%
65 / 30 Month - Int. Monthly (min. $500) 0.50% 0.50%
66 / 36 Month - Int. Monthly (min. $500) 0.60% 0.60%
67 / 48 Month - Int. Monthly (min. $500) 0.65% 0.65%
68 / 60 Month - Int. Monthly (min. $500) 0.75% 0.75%

Retirement Calculator

Certificate Rates:

  APR APY
30 / 30 Day Certificate (min. $2,500) 0.05% 0.05%
32 / 12 Month - Int. Monthly ($1,000) 0.20% 0.20%
34 / 6 Month - Int. Monthly (>$1,000) 0.15% 0.15%
35 / 3 Month - Int. Monthly (min. $2,500) 0.10% 0.10%
36 / 24 Month - Int. Monthly (min. $1,000) 0.30% 0.30%
37 / 30 Month - Int. Monthly (min. $1,000) 0.40% 0.40%
38 / 36 Month - Int. Monthly (min. $1,000) 0.50% 0.50%
39 / 48 Month - Int. Monthly (min. $1,000) 0.55% 0.55%
40 / 60 Month - Int. Monthly (min. $1,000) 0.65% 0.65%

Savings Calculator

Jumbo Certificate Rates:

  APR APY
52 / 12 Month JUMBO Int. Monthly (min $50,000) 0.30% 0.30%
54 / 6 Month JUMBO Int. Monthly (min $50,000) 0.25% 0.25%
56 / 24 Month JUMBO Int. Monthly (min $50,000) 0.35% 0.35%
57 / 30 Month JUMBO Int. Monthly (min $50,000) 0.50% 0.50%
58 / 36 Month JUMBO Int. Monthly (min $50,000) 0.60% 0.60%
59 / 48 Month JUMBO Int. Monthly (min $50,000) 0.65% 0.65%
60 / 60 Month JUMBO Int. Monthly (min $50,000) 0.75% 0.75%

Savings Calculator

Health Savings Accounts:

 
  APR APY
21 / HSA Savings (min. $100) 0.50% 0.50%
29 / HSA Checking ($5000 and over) 0.05% 0.05%
HSA Checking ($1,000-$4,999.99) 0.03% 0.03%

Savings Calculator

Dividend rates are declared by the Board of Directors quarterly. Please note that the minimum balances must remain in accounts for the entire period to qualify for a dividend. All accounts are federally insured by the National Credit Union Administration (NCUA). All rates subject to change without notice. APR - Annual Percentage Rate APY - Annual Percentage Yield