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Savings Rates
| Share Account Dividend Rate | ||
| Effective Date: 01/01/2020 | ||
| Description | Base Rate | APY** |
| Shares (*Minimum $5 Balance) | 0.25% | 0.25% |
| Share Draft | 0.15% | 0.15% |
| HSA | 0.15% | 0.15% |
| *Minimum to open and earn APY **APY= Annual Percentage Yield | ||
| The rate may change after the account is opened | ||
| Money Market Account | ||
| Effective Date: 01/01/2020 | ||
| Description | Base Rate | APY** |
| Balances under $10,000 | .25% | .25% |
| Balances $10,000-$24,999.99 | .85% | .85% |
| Balances $25,000-$49,999.99 | 1.00% | 1.00% |
| Balances over $50,000 | 1.10% | 1.11% |
| Balance over $500,000 | 1.24% | 1.25% |
| ** APY= Annual Percentage Yield | ||
| The 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: 09/03/2019 | |||
| Term | Minimum Amount | APR* | APY** |
| Certificate Rates | |||
| 4 Months | $400.00 | 1.34% | 1.35% |
| 6 Month Youth | $100.00 | 1.49% | 1.50% |
| 6 Months | $1,000.00 | 1.49% | 1.50% |
| 12 Months | $1,000.00 | 1.74% | 1.75% |
| 12 Month Youth Jump | $100.00 | 1.59% | 1.60% |
| 12 Month Jump | $1,000.00 | 1.59% | 1.60% |
| 18 Months | $1,000.00 | 1.89% | 1.90% |
| 18 Month Jump Rate Certificate | $1,000.00 | 1.74% | 1.75% |
| 24 Months | $1,000.00 | 1.98% | 2.00% |
| 24 Month Jump Rate Certificate | $1,000.00 | 1.83% | 1.85% |
| 30 Months | $1,000.00 | 2.08% | 2.10% |
| 30 Month Jump Rate Certificate | $1,000.00 | 1.93% | 1.95% |
| 36 Months | $1,000.00 | 2.18% | 2.20% |
| 36 Month Jump Rate Certificate | $1,000.00 | 2.03% | 2.05% |
| 48 Months | $1,000.00 | 2.33% | 2.35% |
| 48 Month Jump Rate Certificate | $1,000.00 | 2.18% | 2.20% |
| 60 Months | $1,000.00 | 2.53% | 2.55% |
| 60 Month Jump Rate Certificate | $1,000.00 | 2.38% | 2.40% |
| Save 2 Win | $25.00 | 0.75% | 0.75% |
Substantial penalty for early withdrawals. APR *= Annual Percentage Rate APY** = Annual Percentage Yield | |||
| Minimum amount may be required to earn posted rates. 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: 01/01/2020 | ||
| Description | Base Rate | APY** |
| Coverdell IRA (Education IRA) | 1.05% | 1.05% |
| Traditional IRA | 1.05% | 1.05% |
| Roth Conversion IRA | 1.05% | 1.05% |
| Roth IRA | 1.05% | 1.05% |
| *APY= Annual Percentage Yield | ||
| Rates are subject to change | ||
| 12 Month IRA Certificate | 1.74% | 1.75% |
| 18 Month IRA Certificate | 1.89% | 1.90% |
| 24 Month IRA Certificate | 1.98% | 2.00% |
| 30 Month IRA Certificate | 2.08% | 2.10% |
| 36 Month IRA Certificate | 2.18% | 2.20% |
| 48 Month IRA Certificate | 2.33% | 2.35% |
| 60 Month IRA Certificate | 2.53% | 2.55% |
