Savings Rates


Type Minimum to Open Minimum to Earn APY APY* Dividend Rate
Share Certificate Specials
Fall Fanatics Pick Your Rate and Term Certificate Special - 3-Month Term $10,000.00 $10,000.00 2.80% 2.77%
Fall Fanatics Pick Your Rate and Term Certificate Special - 8-Month Term $10,000.00 $50,000.00 2.53% 2.51%
Share Certificates and IRA Share Certificates
6 Month - Certificate $1,000.00 $1,000.00 0.75% 0.75%
1 Year - Certificate or IRA Certificate $1,000.00 $1,000.001.76% 1.75%
2 Year - Certificate or IRA Certificate $1,000.00 $1,000.00 2.78% 2.75%
3 Year - Certificate or IRA Certificate $1,000.00 $1,000.00 2.52% 2.50%
4 Year - Certificate or IRA Certificate $1,000.00 $1,000.00 2.42% 2.40%
5 Year - Certificate or IRA Certificate $1,000.00 $1,000.00 2.42% 2.40%
Individual Retirement Accounts
Individual Retirement Accounts $5.00 $150.00 0.05% 0.05%
Money Market IRA Accounts
Up to $9,999.99 $5.00 $150.000.15% 0.15%
$10,000.00 to $24,999.99 $5.00 $10,000.000.20% 0.20%
$25,000.00 to $74,999.99 $5.00 $25,000.00 0.30% 0.30%
$75,000.00 and greater $5.00 $75,000.000.50% 0.50%
Money Market Accounts (includes Business Accounts)
Up to $9,999.99 $5.00 $150.00 0.15% 0.15%
$10,000.00 to $24,999.99 $5.00 $10,000.00 0.20% 0.20%
$25,000.00 to $74,999.99 $5.00 $25,000.00 0.30% 0.30%
$75,000.00 and greater $5.00 $75,000.00 0.50% 0.50%
Club Accounts
Custom Club $5.00 $150.00 0.05% 0.05%
Special Savings $5.00 $150.00 0.05% 0.05%
Winter Holiday Club $5.00 $150.00 0.05% 0.05%
Youth Savings
Youth Savings $5.00 $25.00 0.50% 0.50%
Youth Share Certificates
6 Month - Certificate $100.00 $100.00 0.75% 0.75%
1 Year - Certificate $100.00 $100.00 1.76% 1.75%
2 Year - Certificate $100.00 $100.00 2.78% 2.75%
3 Year - Certificate $100.00 $100.00 2.52% 2.50%
4 Year - Certificate $100.00 $100.00 2.42% 2.40%
5 Year - Certificate $100.00 $100.00 2.42% 2.40%
Savings (includes Business Accounts)
Prime Share/Savings $5.00 $150.000.05% 0.05%

Rates effective 10/01/2025

To open and earn dividends, Fall Fanatics Certificates require a minimum balance of $10,000. There is a maximum deposit amount of $50,000. Limit four per term, 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.