Rates

Rates effective as of 01/01/2019. APY = Annual Percentage Yield. Fees may reduce earnings.

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Share Accounts

Account Balance Required to Earn Dividends Rate APY
Member Savings $0 - $9,999.99 0.10% 0.10%
Member Savings $10,000 - $24,999.99 0.15% 0.15%
Member Savings $25,000+ 0.20% 0.20%
Money Market Account $2,500 - $24,999.99 0.35% 0.35%
Money Market Account $25,000 - $49,999.99 0.40% 0.40%
Money Market Account $50,000 - $74,999.99 0.50% 0.50%
Money Market Account $75,000 - $99,999.99 0.60% 0.60%
Money Market Account $100,000 or more 0.90% 0.90%
Elite Money Market $150,000.00 or more 1.25% 1.25%
Christmas Club All balances 0.10% 0.10%
Individual Retirement Account (IRA) $0 - $24,999.99 0.45% 0.45%
Individual Retirement Account (IRA) $25,000 - $49,999.99 0.55% 0.55%
Individual Retirement Account (IRA) $50,000 - $99,999.99 0.65% 0.65%
Individual Retirement Account (IRA) $100,000+ 1.10% 1.10%

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

Share Certificates

Type Term Minimum Balance Required Rate APY
Share Certificate 6 Month $1,000 0.80% 0.80%
Share Certificate 9 Month $1,000 0.80% 0.80%
Share Certificate 12 Month $1,000 1.15% 1.15%
Share Certificate 15 Month $1,000 1.15% 1.15%
Share Certificate 18 Month $1,000 1.25% 1.26%
Share Certificate 21 Month $1,000 1.35% 1.36%
Share Certificate 24 Month $1,000 1.50% 1.51%
Share Certificate 27 Month $1,000 1.50% 1.51%
Share Certificate 30 Month $1,000 1.55% 1.56%
Share Certificate 33 Month $1,000 1.65% 1.66%
Share Certificate 36 Month $1,000 1.75% 1.76%
Share Certificate 48 Month $1,000 1.85% 1.86%
Share Certificate 60 Month $1,000 2.10% 2.12%
Youth Share Certificate 6 Month $250 0.80% 0.80%
Youth Share Certificate 9 Month $250 0.80% 0.80%
Youth Share Certificate 12 Month $250 1.15% 1.15%
IRA Share Certificate 24 Month $1,000 1.50% 1.51%
IRA Share Certificate 36 Month $1,000 1.75% 1.76%
IRA Share Certificate 48 Month $1,000 1.85% 1.86%
IRA Share Certificate 60 Month $1,000 2.10% 2.12%

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