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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 0.20%
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 5.00% 5.06%
12 Month 2.75% 2.78%
24 Month 3.00% 3.03%
36 Month 3.25% 3.29%
48 Month 3.00% 3.03%
60 Month 3.00% 3.03%
15-Month Special 3.00% 3.03%
30-Month Special 3.50% 3.55%

Rates effective 01/01/2024. $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 12-month term.

APY = Annual Percentage Yield