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	2.02%
Youth Savings	$5,000+	0.15%

Savings Rates Effective 07/01/2025.

REWARDS +Plus+ CHECKING

Balance	Rate	APY
$0.01 - $25,000 (Achieved Goals)	3.00%	3.04%
$25,001 & Up (Achieved Goals)	0.05%	0.05%
Any Balance (Unachieved Goals)	0.05%	0.05%

REWARDS +Plus+ CHECKING Rates Effective 07/01/2025. No minimum balance.

Cash Investment Account & Corporate Cash Investment Account

Balance	Rate	APY
$1,000 - $2,499	1.00%	1.00%
$2,500 - $9,999	1.10%	1.11%
$10,000 - $24,999	1.20%	1.21%
$25,000 - $49,999	1.30%	1.31%
$50,000 - $99,999	1.40%	1.41%
$100,000 & up	1.50%	1.51%

Rates effective 07/01/2025. 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	3.75%	3.80%
24 Month	3.25%	3.29%
36 Month	3.25%	3.29%
48 Month	3.35%	3.39%
60 Month	3.45%	3.49%
15-Month Special	4.00%	4.06%
30-Month Special	4.00%	4.06%

Rates effective 07/01/2025. $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 6-month term.

APY = Annual Percentage Yield