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Account Rates

Effective date August 1, 2023

Savings

0.02% APY Funds under $2,000
0.07% APY Funds $2,000 and over
Rates Compounded Daily / Paid Quarterly 

IRAs

Traditional / Roth  0.75% APR  0.75% APY 
Educational 0.75% APR 0.75% APY

IRA Traditional/Roth Certificates

12 Month IRA Certificate  3.20% APR 3.25% APY 
13 Month IRA Certificate 4.05% APR  4.13% APY
24 Month IRA Certificate 3.20% APR 3.25% APY
36 Month IRA Certificate 3.20% APR  3.25% APY
48 Month IRA Certificate 3.20% APR 3.25% APY
60 Month IRA Certificate 3.20% APR 3.25% APY
Requires Minimum Deposit of $1,000 to Open

IRA Educational Certificates

36 Month IRA Certificate  3.20% APR 3.25% APY 
Requires Minimum Deposit of $1,000 to Open

Certificates

  6 Month $1,000 Minimum  1.74% APR   1.75% APY
12 Month $1,000 Minimum 3.20% APR  3.25% APY
13 Month $1,000 Minimum 4.05% APR  4.13% APY
24 Month  $1,000 Minimum 3.20% APR   3.25% APY
36 Month $1,000 Minimum 3.20% APR   3.25% APY
48 Month  $1,000 Minimum 3.20% APR   3.25% APY
60 Month  $1,000 Minimum  3.20% APR   3.25% APY
APR = Annual Percentage Rate APY = Annual Percentage Yield.
Early withdrawal of principle funds may result in a penalty.

Checking and Money Market Accounts

#75  Checking (Transaction) Account  0.01% APY 
#76 Money Market High Yield Checking   
    - Balances $2,500 - 9,999.99 0.40% APY
    - Balances $10,000 - $24,999.99  0.50% APY
     - Balances $25,000 - $49,999.99 0.60% APY
     - Balances $50,000 - $99,999.99 0.80% APY
     - Balances $100,000 and above 1.00% APY
Rates Require Minimum Balance of $2,500. Both Compounded Daily & Paid Monthly - Variable rates are subject to change
Fees may reduce earnings - Actual APY are posted on Individual Financial Statements