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Savings Rates

Rates are subject to change. The information given here may not reflect current rates. Contact us for rate change verification.

Share/Passbook Account
Account Type Min. Balance APY
Share/Passbook $5.00 0.20%

(Dividend compounded Quarterly)
Effective: January 1, 2024
*APY=Annual Percentage Yield

MoneyChek Account
Account Type Min. Balance Monthly Service Charge
Moneychek N/A $5.00*

*Monthly Service Charge waived for members 21 & under or 65 & over or if enrolled in E-Statements

Share Certificates
Term Dividend Paid Dividend Rate APY*
3 Month
($2,500.00 minimum)		 At Maturity 3.25% 3.29%
6 Month
($2,500.00 minimum)		 Monthly, Quarterly or At Maturity 3.60% 3.63%
12 Month
($500.00 minimum)		 Monthly, Quarterly, Semiannually or at Maturity 3.60% 3.60%
18 Month
($500.00 minimum)		 Monthly, Quarterly, Semiannually or at Maturity 3.60% 3.57%
30 Month
($500.00 minimum)		 Monthly, Quarterly, Semiannually or at Maturity 3.00% 2.94%
48 Month
($500.00 minimum)		 Monthly, Quarterly, Semiannually, Annually or at Maturity 3.00% 2.88%

(Dividend deposited to share account or Dividend added to Certificate at Maturity only)
Effective: July 01, 2025
*APY=Annual Percentage Yield

IRA Share Accounts
Account Min. Balance Dividend Rate APY*
Traditional $500.00 3.75% 3.80%
Roth $500.00 3.75% 3.80%

Education

 $50.00 3.75% 3.80%

(Dividend compounded quarterly)
Effective: July 01, 2025

Health Savings Accounts
Account Min. Balance Dividend Rate APY*
HSA $50.00 0.20% 0.20%

(Dividend compounded quarterly)
Effective: January 1, 2024

Disclosures

  1. Dividends will begin to accrue on the business day you make the deposit.
  2. If you close your account before the dividends are credited, you will not receive the accrued dividends for that period.
  3. Dividends are calculated by the daily balance method, which applies a periodic rate to the principal in the account each day.