Deposit Rates
Give your money some extra momentum.
It takes a team effort to get you to your goals.
It takes a lot of hard work to save money these days. Be rewarded for your extra effort with our higher dividend rates on Savings Accounts, Certificates, Money Markets, and Individual Retirement Accounts.
Free Checking Accounts
Effective Date: March 21, 2023
| Checking Account Type | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| Regular Checking | 0.15% | 0.15% | $10 |
| Request Checking | 0.15% | 0.15% | $10 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Savings Accounts
Effective Date: March 21, 2023
| Savings Account Type | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| Prime Share | 0.85% | 0.85% | $5 |
| Holiday Club | 0.85% | 0.85% | $5 |
| You Name It Club | 0.85% | 0.85% | $5 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Money Market Accounts
Open a Money Market account to earn higher dividends for higher balances. Minimum deposit to open the account is $2,500.
Effective Date: March 21, 2023
| Money Market Account Balance | Dividend Rate % | APY %* |
|---|---|---|
| $0.00 to $2,499.99 | 0.15% | 0.15% |
| $2,500.00 to $49,999.99 | 0.95% | 0.95% |
| $50,000.00 to $99,999.99 | 1.00% | 1.00% |
| $100,000.00 to $249,999.99 | 1.74% | 1.75% |
| $250,000.00 and above | 1.98% | 2.00% |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Share Certificates
Effective Date: March 21, 2023
| Special Share Certificates†| Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 3 month | 1.24% | 1.25% | $5,000 |
| 9 month | 3.45% | 3.50% | $5,000 |
| 18 month | 5.03% | 5.15% | $5,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.†
Effective Date: March 21, 2023
| Regular Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 6 month | 1.83% | 1.85% | $500 |
| 1 year | 3.93% | 4.00% | $500 |
| 2 year | 4.41% | 4.50% | $500 |
| 3 year | 3.64% | 3.70% | $500 |
| 4 year | 3.15% | 3.20% | $500 |
| 5 year | 3.11% | 3.15% | $500 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.†
Effective Date: March 21, 2023
| Bump-Up Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Bump-Up | 2.37% | 2.40% | $5,000 |
| 5 year Bump-Up | 2.42% | 2.45% | $5,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.†
Effective Date: March 21, 2023
| Mini-Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Mini-Jumbo | 2.67% | 2.70% | $20,000 |
| 5 year Mini-Jumbo | 2.76% | 2.80% | $20,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.†
Effective Date: March 21, 2023
| Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 30 - 90 days | 1.29% | 1.30% | $100,000 |
| 91 - 182 days | 1.88% | 1.90% | $100,000 |
| 183 - 273 days | 3.49% | 3.55% | $100,000 |
| 274 - 365 days | 3.98% | 4.05% | $100,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.†
IRAs
Effective Date: March 21, 2023
| Product | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| IRA Club Account | 0.85 | 0.85 | $5 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Effective Date: March 21, 2023
| Regular IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 1 year | 3.93% | 4.00% | $500 |
| 2 year | 4.41% | 4.50% | $500 |
| 3 year | 3.64% | 3.70% | $500 |
| 4 year | 3.15% | 3.20% | $500 |
| 5 year | 3.11% | 3.15% | $500 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Effective Date: March 21, 2023
| Bump-Up IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Bump-Up | 2.37% | 2.40% | $5,000 |
| 5 year Bump-Up | 2.42% | 2.45% | $5,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Effective Date: March 21, 2023
| Mini-Jumbo IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Mini-Jumbo | 2.67% | 2.70% | $20,000 |
| 5 year Mini-Jumbo | 2.76% | 2.80% | $20,000 |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
