Current Savings Rates
Savings Rates
Share Account Dividend Rate
Effective Date: 10/01/2022
| Description | Base Rate | APY** |
|---|---|---|
| Shares (*Minimum $5 Balance) | .25% | .25% |
| Share Draft | .15% | .15% |
| HSA | .10% | .10% |
| *Minimum to open and earn APY **APY= Annual Percentage Yield | ||
| Interest rate may change after the account is opened / Fee's may reduce earning's | ||
| HSA - Individual accounts only | ||
Money Market Account
Effective Date: 10/01/2022
| Description | Base Rate | APY** |
|---|---|---|
| Balances under $10,000 | 0.25% | 0.25% |
| Balances $10,000-$24,999.99 | 1.00% | 1.00% |
| Balances $25,000-$49,999.99 | 1.19% | 1.20% |
| $50,000 to $499,999.99 | 1.29% | 1.30% |
| Balance over $500,000 | 1.39% | 1.40% |
| ** APY= Annual Percentage Yield | ||
| Interest rate may change after the account is opened | ||
| A minimum daily balance of $2,500.00 must be in the account to avoid a low balance fee, fee may cause loss of principal balance. | ||
Certificate Dividend Rate
Effective Date: 11/16/2022
| Term | Minimum Amount | APR* | APY** |
|---|---|---|---|
| Certificate Rates | |||
| 4 Months | $400.00 | 3.020% | 3.05% |
| 6 Month Youth | $100.00 | 3.260% | 3.30% |
| 6 Months | $1,000.00 | 3.260% | 3.30% |
| 12 Months | $1,000.00 | 3.505% | 3.55% |
| 12 Month Youth Jump | $100.00 | 3.355% | 3.40% |
| 12 Month Jump | $1,000.00 | 3.355% | 3.40% |
| 18 Months | $1,000.00 | 3.750% | 3.80% |
| 18 Month Jump Rate Certificate | $1,000.00 | 3.600% | 3.65% |
| 24 Months | $1,000.00 | 3.990% | 4.05% |
| 24 Month Jump Rate Certificate | $1,000.00 | 3.840% | 3.90% |
| 30 Months | $1,000.00 | 4.235% | 4.30% |
| 30 Month Jump Rate Certificate | $1,000.00 | 4.085% | 4.15% |
| 36 Months | $1,000.00 | 4.475% | 4.55% |
| 36 Month Jump Rate Certificate | $1,000.00 | 4.325% | 4.40% |
| 48 Months | $1,000.00 | 4.620% | 4.70% |
| 48 Month Jump Rate Certificate | $1,000.00 | 4.470% | 4.55% |
| 60 Months | $1,000.00 | 4.720% | 4.80% |
| 60 Month Jump Rate Certificate | $1,000.00 | 4.570% | 4.65% |
| Save 2 Win | $25.00 | 1.00% | 1.00% |
Substantial penalty for early withdrawals. APR *= Annual Percentage Rate APY** = Annual Percentage Yield | |||
| Minimum amount may be required to earn posted rates. Interest rates are subject to change | |||
| Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificates term. | |||
IRA Dividend Rates
Effective Date: 10/24/2022
| Description | Base Rate | APY** |
|---|---|---|
| Coverdell IRA (Education IRA) | 1.39% | 1.40% |
| Traditional IRA | 1.39% | 1.40% |
| Roth Conversion IRA | 1.39% | 1.40% |
| Roth IRA | 1.39% | 1.40% |
| *APY= Annual Percentage Yield | ||
| Interest rates are subject to change | ||
| 12 Month IRA Certificate | 3.505% | 3.55% |
| 18 Month IRA Certificate | 3.750% | 3.80% |
| 24 Month IRA Certificate | 3.990% | 4.05% |
| 30 Month IRA Certificate | 4.235% | 4.30% |
| 36 Month IRA Certificate | 4.475% | 4.55% |
| 48 Month IRA Certificate | 4.620% | 4.70% |
| 60 Month IRA Certificate | 4.720% | 4.80% |
| IRA - Individual accounts only | ||