Savings and Certificate Rates

Savings, Checking & MMAs

Effective: November 2020

Minimum
Balance
Dividend
Rate
APY*
Primary Share $100 0.15 0.15
Clubs $100 0.15 0.15
Checking 0.00 0.00
IRA Shares 0.15 0.15
MMA ($1,000 – $19,000) $1,000 0.25 0.25
MMA ($20,000 – $49,999) $20,000 0.30 0.30
MMA ($50,000 – $99,999) $50,000 0.35 0.35
MMA ($100,000 – $249,999) $100,000 0.50 0.50
MMA ($250,000 – up) $250,000 0.55 0.55

*APY = Annual Percentage Yield

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

Certificates

Minimum
Balance
Dividend
Rate
APY* Term
Certificates $500 0.25 0.25 6 mons.
$500 1.00 1.00 12 mons.
$500 1.05 1.05 24 mons.
$500 1.10 1.10 36 mons.
$500 1.20 1.20 48 mons.
$500 1.29 1.30 60 mons.
SPECIAL: 1 Penalty-Free Withdrawal Certificate $500 0.65 0.65 13 mons.**
JUMBO Certificate $50,000 1.15 1.15 24 mons.
YouthSaver Certificate $500 0.25 0.25 3 mons.

*APY = Annual Percentage Yield. 

**For 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.

IRA Certificates

Minimum
Balance
Dividend
Rate
APY* Term
IRA Certificates $500 1.00 1.00 15 mons.
$500 1.05 1.05 24 mons.
$500 1.10 1.10 36 mons.
$500 1.20 1.20 48 mons.
$500 1.29 1.30 60 mons.
JUMBO Certificate $50,000 1.15 1.15 24 mons.

*APY = 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