Savings and Certificate Rates

Savings, Checking & MMAs

Effective: July 2020

Minimum
Balance
Dividend
Rate
APY*
Primary Share$1000.150.15
Clubs$1000.150.15
Checking0.000.00
IRA Shares0.150.15
MMA ($1,000 – $19,000)$1,0000.300.30
MMA ($20,000 – $49,999)$20,0000.350.35
MMA ($50,000 – $99,999)$50,0000.400.40
MMA ($100,000 – $249,999)$100,000 0.550.55
MMA ($250,000 – up)$250,000 0.600.60

*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$5000.250.256 mons.
$5001.001.0012 mons.
$500 1.101.1024 mons.
$5001.291.3036 mons.
$5001.391.4048 mons.
$5001.491.5060 mons.
SPECIAL: 1 Penalty Free Withdrawal Certificate$5000.750.7513 mons.**
IRA Certificate$5001.001.0015 mons.**
JUMBO Certificate$50,000 1.151.1524 mons.
YouthSaver Certificate $500 0.250.253 mons.

*APY = Annual Percentage Yield

On all Term Share Certificates, other than the 1 penalty free on the 13 month certificate, a penalty will be imposed for early withdrawal. 13 MONTH SHARE CERTIFICATE CONDITIONS – No withdrawals without the certificate. One withdrawal during the term of the account. If the account balance falls below $500 the account must be closed.

**The penalty free withdrawal on the 13 month certificate is subject to the following exception: The withdrawal may not take place within 6 days after initial deposit or within 6 days after each partial withdrawal without paying an early withdrawal penalty of at least seven days simple interest.

IRA Certificates

Minimum
Balance
Dividend
Rate
APY*Term
IRA Certificates$5001.001.0015 mons.
$500 1.101.1024 mons.
$5001.291.3036 mons.
$5001.391.4048 mons.
$5001.491.5060 mons.
JUMBO Certificate$50,000 1.151.1524 mons.

*APY = Annual Percentage Yield

Penalty will be imposed for early withdrawal on all IRA Certificates.

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