Savings Rates


Savings Rates

Savings TypeMinimum BalanceDividend RateAPY
Checking$5000.15%0.15%
Share Savings$500.10%0.10%
IRA Shares - See CD Rates for additional options.$10.25%0.25%
Money Fund Savings
$1000.10%0.10%
$25000.20%0.20%
* Annual Percentage Yield. Rates as of November 10, 2018. Rates are subject to change without notice. Call to verify current rates.

Certificates of Deposit Rates - Regular CDs and IRA CDs

Savings TypeMinimum BalanceDividend RateAPY
Term Share Certificates
6 month term$10001.00%1.00%
1 Year Term$10001.90%1.91%
2 Year Term$10002.15%1.67%
3 Year Term$10002.30%2.32%
4 Year Term$10002.50%2.52%
5 Year Term$10003.10%3.14%
Special 5 Year Step Up***
5 Year Term$10003.15%3.19%
* Annual Percentage Yield. Rates as of November 10, 2018. Rates are subject to change without notice. Call to verify current rates.
** After reaching the minimum deposit, certificates may be purchased in any amount. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, we will automatically renew it at the current rate for that maturity. The interest rate remains the same for the term of the deposit. There is a three month interest penalty for early withdrawals on maturities of 2 years or less and a 6 month penalty on maturities 3 years or more. You choose the term you need to meet your investment goals and your anticipation of the change in interest rates.
*** If rates go up you can “step up” to the higher rate one time over the life of the certificate. The “step up rate” can be adjusted to the new current 5 year certificate rate.