Current Savings Rates

Savings Rates

Share Account Dividend Rate
Effective Date: 10/01/2022
DescriptionBase RateAPY**
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
DescriptionBase RateAPY**
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
TermMinimum AmountAPR*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
DescriptionBase RateAPY**
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

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