Savings Rates

Type APY* Dividend Rate
Share Certificate Specials
Summer Splash Certificate Special - 13-Month Term 4.00% 3.94%
Scholar Certificate Special - 6-Month Term 3.00% 2.97%
Savings (includes Business Accounts)
Prime Share/Savings 0.05% 0.05%
Youth Accounts
Youth Savings 0.50% 0.50%
Youth Share Certificates
6 Month - Certificate 0.75% 0.75%
1 Year - Certificate 1.76% 1.75%
2 Year - Certificate 2.78% 2.75%
3 Year - Certificate 2.52% 2.50%
4 Year - Certificate 2.42% 2.40%
5 Year - Certificate 2.42% 2.40%
Club Accounts
Custom Club 0.05% 0.05%
Special Savings 0.05% 0.05%
Winter Holiday Club 0.05% 0.05%
Money Market Accounts (includes Business Accounts)
Up to $9,999.99 0.15% 0.15%
$10,000.00 to $24,999.99 0.20% 0.20%
$25,000.00 to $74,999.99 0.30% 0.30%
$75,000.00 and greater 0.50% 0.50%
Share Certificates
6 Month - Certificate 0.75% 0.75%
1 Year - Certificate 1.76% 1.75%
2 Year - Certificate 2.78% 2.75%
3 Year - Certificate 2.52% 2.50%
4 Year - Certificate 2.42% 2.40%
5 Year - Certificate 2.42% 2.40%
Individual Retirement Accounts
Individual Retirement Accounts 0.05% 0.05%
Money Market IRA Accounts
Up to $9,999.99 0.15% 0.15%
$10,000.00 to $24,999.99 0.20% 0.20%
$25,000.00 to $74,999.99 0.30% 0.30%
$75,000.00 and greater 0.50% 0.50%
IRA Accounts
1 Year - IRA Certificate 1.76% 1.75%
2 Year - IRA Add on Certificate 2.78% 2.75%
3 Year - IRA Add on Certificate 2.52% 2.50%
4 Year - IRA Add on Certificate 2.42% 2.40%
5 Year - IRA Add on Certificate 2.42% 2.40%

Rates effective 08/01/2025

Summer Splash Certificates require a minimum opening deposit of $10,000. There is a maximum deposit amount of $50,000. Limit four per member.

Scholar Certificates require a minimum opening deposit of $500. There is a maximum deposit amount of $5,000. Limit four per member.

Account Terms and Conditions

*APY= Annual Percentage Yield. Dividends are paid from current income and available earnings, after required transfers to reserves, at the end of the dividend period. Early withdrawal penalties may be applied. Fees may reduce earnings. Prime Savings, Youth Savings, Custom Club, Winter Club, and Money Market accounts are variable rate accounts that may change after account opening. All newly opened and existing account deposit rates and terms are subject to change without notice.