Rates

Savings Rates

Account Type	Min. Balance	APY
Regular Savings	$5.00 For Membership $100.00 To Earn Dividend	0.10%
Club & Escrow Accounts	$5.00	0.05%
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	0.15%
Youth Savings	$5,000+	0.10%

Savings Rates Effective 10/01/2022.

REWARDS +Plus+ CHECKING

Balance	Rate	APY
$0.01 - $25,000 (Achieved Goals)	0.35%	0.35%
$25,001 & Up (Achieved Goals)	0.05%	0.05%
Any Balance (Unachieved Goals)	0.05%	0.05%

REWARDS +Plus+ CHECKING Rates Effective 10/01/2022. No minimum balance.

Cash Investment Account & Corporate Cash Investment Account

Balance	Rate	APY
$1,000 - $2,499	0.30%	0.30%
$2,500 - $9,999	0.30%	0.30%
$10,000 - $24,999	0.40%	0.40%
$25,000 - $49,999	0.45%	0.45%
$50,000 - $99,999	0.55%	0.55%
$100,000 & up	0.55%	0.55%

Rates effective 01/01/2023. 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	2.00%	2.02%
12 Month	2.25%	2.27%
24 Month	2.50%	2.52%
36 Month	2.75%	2.78%
48 Month	2.85%	2.88%
60 Month	3.00%	3.03%
15-Month Special	3.25%	3.29%
30-Month Special	4.25%	4.32%

Rates effective 03/01/2023. $500 minimum.

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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