Rates
Certificate of Deposits
Effective May 23, 2024 Annual Percentage Yield (APY)
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Loan Type:
11 Month Certificate of Deposit Special*
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Loan Type:
20 Month Certificate of Deposit Special*
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Loan Type:
90 Day Certificate of Deposit
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Loan Type:
182 Day Certificate of Deposit
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Loan Type:
12 Month Certificate of Deposit
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Loan Type:
24 Month Certificate of Deposit
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Loan Type:
30 Month Certificate of Deposit
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Loan Type:
36 Month Certificate of Deposit
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Loan Type:
48 Month Certificate of Deposit
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Loan Type:
60 Month Certificate of Deposit
11 Month Certificate of Deposit Special*
20 Month Certificate of Deposit Special*
90 Day Certificate of Deposit
182 Day Certificate of Deposit
12 Month Certificate of Deposit
24 Month Certificate of Deposit
30 Month Certificate of Deposit
36 Month Certificate of Deposit
48 Month Certificate of Deposit
60 Month Certificate of Deposit
The minimum balance to open an account is $500.00. A penalty may be imposed for early withdrawal. Interest will be compounded quarterly on terms of 12 months or more and at maturity on CD’s due in less than 12 months. Fees may reduce the earnings on the account.
*The minimum balance to open an account is $5,000.00. A penalty may be imposed for early withdrawal. Interest will be compounded quarterly on terms of 12 months or more and at maturity on CD’s due in less than 12 months. Fees may reduce the earnings on the account.
Interest Checking & Savings
Effective July 24, 2023 Annual Percentage Yield (APY)
Interest Rewards Checking**
Rate
Unqualified: 0.10%
Qualified:
$0.01 – $15,000.00 – 3.05%
$15,000.01 and over – 0.25%
APY
Unqualified: 0.10%
Qualified:
$0.01 – $15,000.00 – 3.09%
$15,000.01 and over – 0.23%
Term
N/A
Quarterly Savings
Rate
0.20%
APY
0.20%
Term
N/A
Money Market Savings
Rate
0.25%
APY
0.25%
Term
N/A
Elite Savings***
Rate
$0.01 – $24,999.99 – 1.00%
$25,000.00 – $49,999.99 – 2.05%
$50,000 and over 3.50%
APY
$0.01 – $24,999.99 – 1.00%
$25,000.00 – $49,999.99 – 2.05%
$50,000 and over 3.50%
Term
N/A
Youth Savings****
Rate
$0.01 – $10,000 – 1.50%
$10,000.01 and over – $0.25%
APY
$0.01 – $10,000 – 1.51%
$10,000.01 and over – $0.25%
Term
N/A
**Interest Rewards Checking
- The interest rate and annual percentage yield for your account depend upon the applicable rate
tier. The interest rate and annual percentage yield for these tiers may change. - Interest is accrued on a daily ledger balance and credited to the account monthly
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Qualified requirements: Additional Interest may be earned on this account if BOTH of the
following account activities are met each monthly statement cycle.- Make fifteen (15) debit card transactions
- Receive one (1) direct deposit or make one (1) automatic payment
- Earn up to 3.09% annual percentage yield on balances between $0.01 and $15,000. Balances
over $15,000 will earn an interest rate on the portion of the balance over $15,000, resulting in a
range of 3.09% to 0.23% APY depending on the balance. - Fees may reduce the earnings on the account.
***Elite Savings
- The interest rate and annual percentage yield for your account depend upon the applicable rate
tier. The interest rate and annual percentage yield for these tiers may change. - Interest is accrued on a daily ledger balance and credited to the account monthly
- Fees may reduce the earnings on the account.
****Youth Savings
- The interest rate and annual percentage yield for your account depend upon the applicable rate
tier. The interest rate and annual percentage yield for these tiers may change. - Earn up to 1.51% Annual Percentage yield on balance between $0.01 and $10,000. Balances
over $10,000 will earn an interest rate on the portion of the balance over $10,000, resulting in a
range of 1.51% to 0.38% APY depending on the balance. - Interest is accrued on an average daily ledger balance and credited to the account quarterly
- Fees may reduce the earnings on the account.