Rates

Savings Rates

Account Type	Min. Balance	APY
Regular Savings	$5.00 For Membership $100.00 To Earn Dividend	0.15%
Club & Escrow Accounts	$5.00	0.10%
Regular Checking Account	None	0.00%
(IRA) - Individual Retirement Account	$5.00	0.30%
Certificate Account Builder	$5.00	0.07%

 

Youth Accounts (Cadet Savers & Independenz Teen Accounts)

Account Type	Min. Balance	APY
Youth Savings	$5.00 - $5,000	1.26%
Youth Savings	$5,000+	0.15%

Savings Rates Effective 04/03/2023.

REWARDS +Plus+ CHECKING

Balance	Rate	APY
$0.01 - $25,000 (Achieved Goals)	0.50%	0.50%
$25,001 & Up (Achieved Goals)	0.05%	0.05%
Any Balance (Unachieved Goals)	0.05%	0.05%

REWARDS +Plus+ CHECKING Rates Effective 10/01/2023. No minimum balance.

Cash Investment Account & Corporate Cash Investment Account

Balance	Rate	APY
$1,000 - $2,499	0.40%	0.40%
$2,500 - $9,999	0.50%	0.50%
$10,000 - $24,999	0.60%	0.60%
$25,000 - $49,999	1.10%	1.11%
$50,000 - $99,999	1.20%	1.21%
$100,000 & up	1.40%	1.41%

Rates effective 10/01/2023. CIA & CCIA accounts will be calculated on the average daily balance and posted monthly on the last day of the current month. These accounts require a $1,000 minimum balance to earn dividend as detailed above.

Certificate Rates

Term	Rate	APY
6 Month	3.00%	3.02%
12 Month	3.00%	3.03%
24 Month	3.10%	3.14%
36 Month	3.25%	3.29%
48 Month	3.25%	3.29%
60 Month	3.00%	3.03%
15-Month Special	3.00%	3.03%
30-Month Special	3.50%	3.55%

Rates effective 10/15/2024. $500 minimum.

---

Contact our Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater.  This also includes any aggregate or recent aggregate deposit of $100,000. These opportunities are driven by market conditions and are not always available.

IRA Certificates would have the same rates as the Certificates quoted above. The minimum is a 6-month term.

APY = Annual Percentage Yield