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xDeposit 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
|
4.00%
|
| 10 Months | $500 | $500 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.50%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
48 Months
|
$500
|
$500
|
3.00%
|
|
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
|
4.00%
|
| 10 Months | $500 | $500 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.50%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
48 Months
|
$500
|
$500
|
3.00%
|
|
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 6, 2026.