Current Savings Rates

Share Savings Rates (Last Modified: Sep 27, 2016)

Share TypeMinimum DepositDividend RateAnnual Percentage Yield (APY)
Regular Share and Club Accounts$5.00.10%.10%
Money Market Accounts$2,500 - $9,999.20%.20%
$10,000 - $19,999.25%.25%
$20,000 - $49,999.30%.30%
$50,000 and over.40%.40%
Convenience & On the Move
Checking Accounts
No minimum required.05%.05%
Traditional and Roth IRA, Coverdell Education Savings Account$25.00.35%.35%

Share savings rates are variable and are declared monthly by the Board of Directors. Rates shown are the most recent as of the above effective date. Dividends are paid and compounded monthly, and are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Please refer to our Truth in Savings disclosure for further details. Fees could reduce earnings.

Share Certificate Rates (Last Modified: Apr 04, 2016)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
12 Month First Step$25.00*.20%.20%
Six month Affordable$250.40%.40%
Six month Money Market$1,000.50%.50%
1-Year Share Certificate$1,000.80%.80%
2-Year Share Certificate$1,0001.05%1.05%
3-Year Share Certificate$1,0001.30%1.31%
4-Year Share Certificate$1,0001.60%1.61%
5-Year Share Certificate$1,0001.80%1.81%

* Requires regular minimum monthly deposits of $25.00 until maturity date

Traditional, Coverdell Education Savings & Roth IRA Certificate Rates (Last Modified: Apr 04, 2016)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
1-Year Share Certificate$1,000.90%.90%
2-Year Share Certificate$1,0001.15%1.15%
3-Year Share Certificate$1,0001.40%1.41%
4-Year Share Certificate$1,0001.70%1.71%
5-Year Share Certificate$1,0001.90%1.91%

Rates are subject to change without notice. Dividends on all Share Certificates and Jumbo Share Certificates, including IRA Share Certificates, are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends on Six month Affordable and Money Market certificates are paid at maturity. Dividends on all other types of certificate accounts are paid and compounded quarterly, with final payment at maturity. Penalty will be imposed for early withdrawals. Fees could reduce earnings. See certificate disclosure for details.

Jumbo Share Certificate Rates (Last Modified: Apr 04, 2016)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
1-Year Jumbo Share Certificate$100,000.90%.90%
2-Year Jumbo Share Certificate$100,0001.15%1.15%
3-Year Jumbo Share Certificate$100,0001.40%1.41%
4-Year Jumbo Share Certificate$100,0001.70%1.71%
5-Year Jumbo Share Certificate$100,0001.90%1.91%

Rates are subject to change without notice. Dividends on all Share Certificates and Jumbo Share Certificates, including IRA Share Certificates, are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends on Six month Affordable and Money Market certificates are paid at maturity. Dividends on all other types of certificate accounts are paid and compounded quarterly, with final payment at maturity. Penalty will be imposed for early withdrawals. Fees could reduce earnings. See certificate disclosure for details.

Jumbo Rates do not apply to Coverdell Education Savings Accounts.

Jumbo Traditional & Roth IRA Certificate Rates (Last Modified: Apr 04, 2016)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
1-Year Jumbo Share Certificate$100,0001.00%1.00%
2-Year Jumbo Share Certificate$100,0001.25%1.26%
3-Year Jumbo Share Certificate$100,0001.50%1.51%
4-Year Jumbo Share Certificate$100,0001.80%1.81%
5-Year Jumbo Share Certificate$100,0002.00%2.02%

Rates are subject to change without notice. Dividends on all Share Certificates and Jumbo Share Certificates, including IRA Share Certificates, are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends on Six month Affordable and Money Market certificates are paid at maturity. Dividends on all other types of certificate accounts are paid and compounded quarterly, with final payment at maturity. Penalty will be imposed for early withdrawals. Fees could reduce earnings. See certificate disclosure for details.

Jumbo Rates do not apply to Coverdell Education Savings Accounts.