Rates effective 01/01/2026
To open and earn dividends, Resolution Certificates require a minimum balance of $26,000. There is a maximum deposit amount of $260,000. Limit two per member.
Share Certificate Specials
Share Certificates and IRA Share Certificates
Individual Retirement Accounts, and Money Market IRA Accounts
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Individual Retirement Accounts | $5.00 | $150.00 | 0.05% | 0.05% |
| Money Market IRA Accounts Up to $9,999.99 |
$5.00 | $150.00 | 0.15% | 0.15% |
| Money Market IRA Accounts $10,000.00 to $24,999.99 |
$5.00 | $10,000.00 | 0.20% | 0.20% |
| Money Market IRA Accounts $25,000.00 to $74,999.99 |
$5.00 | $25,000.00 | 0.30% | 0.30% |
| Money Market IRA Accounts $75,000.00 and greater |
$5.00 | $75,000.00 | 0.50% | 0.50% |
Money Market Accounts (Includes Business Accounts)
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| 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
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| 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 Share Certificates
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Youth Savings | $5.00 | $25.00 | 0.50% | 0.50% |
| Youth Share Certificates 6 Month - Certificate |
$100.00 | $100.00 | 0.75% | 0.75% |
| Youth Share Certificates 1 Year - Certificate |
$100.00 | $100.00 | 1.76% | 1.75% |
| Youth Share Certificates 2 Year - Certificate |
$100.00 | $100.00 | 2.78% | 2.75% |
| Youth Share Certificates 3 Year - Certificate |
$100.00 | $100.00 | 2.52% | 2.50% |
| Youth Share Certificates 4 Year - Certificate |
$100.00 | $100.00 | 2.42% | 2.40% |
| Youth Share Certificates 5 Year - Certificate |
$100.00 | $100.00 | 2.42% | 2.40% |
Savings (Includes Business Accounts)
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Prime Share/Savings | $5.00 | $150.00 | 0.05% | 0.05% |
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.