Rates

Rates effective as of 01/04/2016. APY = Annual Percentage Yield. Fees may reduce earnings.

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Share Accounts

AccountBalance Required to Earn DividendsRateAPY
Member Savings$0 - $9,999.990.10%0.10%
$10,000 - $24,999.990.15%0.15%
$25,000+0.20%0.20%
Money Market Account$2,500 - $24,999.990.15%0.15%
$25,000 - $49,999.990.20%0.20%
$50,000 - $74,999.990.25%0.25%
$75,000 - $99,999.990.30%0.30%
$100,000+0.35%0.35%
Christmas ClubAll balances0.10%0.10%
Individual Retirement Account (IRA)$0 - $24,999.990.45%0.45%
$25,000 - $49,999.990.55%0.55%
$50,000 - $99,999.990.65%0.65%
$100,000+0.80%0.80%

All savings rates quoted as annual percentage yields. All share accounts other than Share 0 will be paid the Tier 1 dividend.

Share Certificates

TypeTermMinimum Balance RequiredRateAPY
Share Certificate6 Month$1,0000.20%0.20%
9 Month0.20%0.20%
12 Month0.25%0.25%
15 Month0.30%0.30%
18 Month0.35%0.35%
21 Month0.45%0.45%
24 Month0.50%0.50%
27 Month0.50%0.50%
30 Month0.50%0.50%
33 Month0.60%0.60%
36 Month0.80%0.80%
48 Month1.05%1.05%
60 Month1.25%1.26%
Youth Share Certificate6 Month$2500.20%0.20%
9 Month0.20%0.20%
12 Month0.25%0.25%
IRA Share Certificate24 Month$1,0000.50%0.50%
36 Month0.80%0.80%
48 Month1.05%1.05%
60 Month1.25%1.26%

All Share Certificate Rates subject to change without notice. Penalty for early withdrawal.