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Deposit Rates

Account Type * Minimum Balance To Open Minimum Average Daily Balance to Earn APY Annual Percentage Yield (APY) **
Main Share/Misc Share
$5
$5 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000 - Above
0.10%
 
Money Market
$10
$10 - $2,499.99
0.05%
 
 
$2,500 - $9,999.99
0.15%
 
 
$10,000 - $19,999.99
0.35%
 
 
$20,000 - $49,999.99
0.50%
    $50,000 - $99,999.99 0.60%
    $100,000 - $249,999.99 0.80%
    $250,000 - ABOVE 0.80%
 
I.R.A Share
None
$0 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000.00 - Above
0.10%
 
NOW Checking
None $5
0.03%
 
Vacation Club
None
None
0.05%
 
Christmas Club
None
None
0.05%
 
Business Share
$25
$25 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000 - Above
0.10%
 
 
 
 
Certificates Term * +
Minimum Balance To Open
Minimum Average Daily Balance To Earn APY
Annual Percentage Yield (APY) 
3 Months
$500
$500
0.50%
6 Months   ***
$500
$500
2.00%
10 Months $500 $500 1.75%
12 Months   ***
$500
$500
4.00%
14 Months
$500
$500
1.75%
16 Months
$500
$500
1.75%
17 Months
$500
$500
1.75%
18 Months   ***
$500
$500
4.00%
24 Months   
$500
$500
3.00%
28 Months
$500
$500
1.50%
36 Months
$500
$500
2.65%
48 Months
$500
$500
2.65%
60 Months
$500
$500
3.35%
IRA Certificates Term * +
Minimum Balance To Open
Minimum Average Daily Balance To Earn APY
Annual Percentage Yield (APY) 
3 Months
$500
$500
0.50%
6 Months   ***
$500
$500
2.00%
10 Months $500 $500 1.75%
12 Months  ***
$500
$500
4.00%
14 Months
$500
$500
1.75%
16 Months
$500
$500
1.75%
17 Months
$500
$500
1.75%
18 Months ***
$500
$500
4.00%
24 Months 
$500
$500
3.00%
28 Months
$500
$500
1.50%
36 Months
$500
$500
2.65%
48 Months
$500
$500
2.65%
60 Months
$500
$500
3.35%

* Fees may reduce earnings.
** Rates are subject to change without notice. 
+ Certificates may be subject to penalty for early withdrawal.

*** This account type has a $250,000 maximum deposit per Member

Current Rates - Effective January 4, 2023

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