Savings, Checking & MMAs

Savings & Checking Effective: 4th Qtr 2022

MMAs Effective: January 1, 2023

Minimum
Balance
Dividend
Rate
APY¹
Primary Share $100 0.20% 0.20%
Clubs $100 0.20% 0.20%
Checking 0.00% 0.00%
IRA Shares 0.20% 0.20%
MMA ($1,000 – $19,999) $1,000 0.35% 0.35%
MMA ($20,000 – $49,999) $20,000 0.60% 0.60%
MMA ($50,000 – $99,999) $50,000 0.75% 0.75%
MMA ($100,000 – $249,999) $100,000 1.25% 1.25%
MMA ($250,000 – up) $250,000 1.50% 1.50%

¹APY = Annual Percentage Yield

Annual percentage yields (APY) are subject to change after account is opened. Fees may reduce earnings on your account.

Certificates

Effective: January 6, 2023

Minimum
Balance
Dividend
Rate
APY¹ Term
Certificates $500 1.49% 1.50% 6 mons.
$500 2.23% 2.25% 12 mons.
$500 2.48% 2.50% 24 mons.
$500 2.72% 2.75% 36 mons.
$500 2.97% 3.00% 48 mons.
$500 3.46% 3.50% 60 mons.
SPECIAL: 1 Penalty-Free Withdrawal Certificate $500 1.99% 2.00% 13 mons.²
JUMBO Certificate $50,000 2.97% 3.00% 24 mons.
YouthSaver Certificate $500 1.49% 1.50% 3 mons.
19 Month Special $500
3.95%
4.00%
19 mons.³

¹APY = Annual Percentage Yield. 

²For 13 Month Term Share Certificate accounts, you may make one withdrawal without penalty during the term of your account. However, any withdrawal made within six days after account opening or within six days after any partial withdrawal from your account will be subject to an early withdrawal penalty of at least seven days’ dividends. If your balance falls below $500.00, the account must be closed.

³Rate effective as of 1/6/2023 and subject to change without notice. Automatic renewal to 12-month term at the current dividend rate in effect at the time of renewal. $500 minimum opening. Argent reserves the right to end or modify this offer at any time. A penalty will be imposed for early withdrawal. Additional restrictions may apply.

IRA Certificates

Effective: January 6, 2023

Minimum
Balance
Dividend
Rate
APY¹ Term
IRA Certificates $500 3.95% 4.00% 15 mons.
$500 2.48% 2.50% 24 mons.
$500 2.72% 2.75% 36 mons.
$500 2.97% 3.00% 48 mons.
$500 3.46% 3.50% 60 mons.
JUMBO Certificate $50,000 2.97% 3.00% 24 mons.

¹APY = Annual Percentage Yield

A penalty will be imposed for early withdrawal on all IRA Certificates.

Find out how much your savings are insured with Share Insurance Estimator