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
| 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.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Savings Accounts
| 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.
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.
| Money Market Account Balance | Dividend Rate % | APY %* |
|---|---|---|
| $0.00 to $2,499.99 | 0.15% | 0.15% |
| $2,500.00 to $9,999.99 | 1.00% | 1.00% |
| $10,000.00 to $49,999.99 | 1.73% | 1.75% |
| $50,000.00 to $99,999.99 | 2.23% | 2.25% |
| $100,000.00 to 499,999.99 | 2.71% | 2.75% |
| $500,000.00 and above | 2.96% | 3.00% |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Share Certificates
| Special Share Certificates† | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 3 month | 1.39% | 1.40% | $5,000 |
| 9 month | 4.45% | 4.55% | $5,000 |
| 18 month | 4.21% | 4.30% | $5,000 |
APY = Annual Percentage Yield.
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18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity.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.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Regular Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 6 month | 1.98% | 2.00% | $500 |
| 1 year | 4.35% | 4.45% | $500 |
| 2 year | 4.07% | 4.15% | $500 |
| 3 year | 3.83% | 3.90% | $500 |
| 4 year | 3.73% | 3.80% | $500 |
| 5 year | 3.63% | 3.70% | $500 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Bump-Up Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Bump-Up | 3.25% | 3.30% | $5,000 |
| 5 year Bump-Up | 3.15% | 3.20% | $5,000 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Owners of Bump-Up Certificates may change the dividend rate once during the term.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Mini-Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Mini-Jumbo | 3.87% | 3.95% | $20,000 |
| 5 year Mini-Jumbo | 3.78% | 3.85% | $20,000 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 30 - 90 days | 1.44% | 1.45% | $100,000 |
| 91 - 182 days | 2.03% | 2.05% | $100,000 |
| 183 - 273 days | 4.50% | 4.60% | $100,000 |
| 274 - 365 days | 4.40% | 4.50% | $100,000 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
IRAs
| Product | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| IRA Club Account | 0.85 | 0.85 | $5 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
| Regular IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 1 year | 4.35% | 4.45% | $500 |
| 2 year | 4.07% | 4.15% | $500 |
| 3 year | 3.83% | 3.90% | $500 |
| 4 year | 3.73% | 3.80% | $500 |
| 5 year | 3.63% | 3.70% | $500 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Bump-Up IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Bump-Up | 3.25% | 3.30% | $5,000 |
| 5 year Bump-Up | 3.15% | 3.20% | $5,000 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
| Mini-Jumbo IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open |
|---|---|---|---|
| 4 year Mini-Jumbo | 3.87% | 3.95% | $20,000 |
| 5 year Mini-Jumbo | 3.78% | 3.85% | $20,000 |
APY = Annual Percentage Yield.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
