Checking & Savings
Effective Date: Wednesday, December 25th, 2024
BalanceAPR*APY**
Primary Savings
Minimum to open: $5.00. Minimum to earn dividends: $5.00
All balances 0.05% 0.05%
Business Savings, Special Savings, Holiday Savings and IRA Savings
Minimum to open $5.00. Minimum to earn dividends: None
All balances 0.20% 0.20%
Secured Visa Savings
Minimum to open: Tied to VISA limit. Minimum to earn dividends: None
All balances 0.20% 0.20%
Checking and Business Checking
Minimum to open: $10.00. Minimum to earn dividends: None
Up to $24,999.99 0.00% 0.00%
$25,000 and over 0.25% 0.25%

Money Market Savings & IRA Money Market Savings
Effective Date: Wednesday, December 25th, 2024
Minimum to open: $1,000.00 Minimum to earn dividends: None
BalanceAPR*APY**
Up to $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.30% 0.30%
$100,000 and over 0.40% 0.40%

Share Certificates & IRA Certificates
Effective Date: Wednesday, December 25th, 2024
Minimum to open: $500.00 Minimum to earn dividends: $500.00
TermAPR*APY**
6 Month 0.30% 0.30%
12 Month 0.40% 0.40%
24 Month 0.55% 0.55%
36 Month 0.75% 0.75%
48 Month 0.85% 0.85%
60 Month 1.00% 1.00%
Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.

Promotional Share Certificates
Effective Date: Wednesday, December 25th, 2024
TermAPR*APY**
Bump-Up 36 Month Certificate 0.50% 0.50%
Minimum to open: $5,000.00. Minimum to earn dividends: $5,000.00
Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.

If rates rise during the term of your certificate, a bump-up certificate allows you to increase your rate up to the currently advertised rate one time during your term.  Bumped rate applies to remaining term on certificate.  Certificate will automatically renew as a traditional 36-month certificate.  Click here to learn more.
 

*APY= Annual Percentage Yield. Rates, terms and conditions are subject to change. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. 

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