Savings Rates
Primary Share and Youth Savings Accounts
Rates effective December 1, 2024. Rates subject to change without notice.
| Minimum | Nominal Rate | APY* |
|---|---|---|
| $100.01 | 0.25% | 0.25% |
*APY=Annual Percentage Yield
Dividends will be compounded and credited quarterly. A minimum average daily balance of $100.01 dollars is required to obtain the disclosed APY.
Holiday and Vacation Club Accounts
| Minimum | Nominal Rate | APY* |
|---|---|---|
| 0.00 | 0.50% | 0.50% |
*APY=Annual Percentage Yield
Dividends will be credited annually on the average daily balance upon disbursement at the end of the club year. Early withdrawals will be penalized any accrued/earned interest.
Share Certificate Account
| Term | Minimum Balance | Nominal Rate | APY* | Jumbo Rate ($50,000+) | APY* |
|---|---|---|---|---|---|
| 6 Month | $1,000 | 3.70% | 3.75% | 3.95% | 4.01% |
| 12 Month | $1,000 | 3.85% | 3.91% | 4.10% | 4.16% |
| 18 Month | $1,000 | 3.80% | 3.85% | 4.05% | 4.11% |
| 24 Month | $1,000 | 3.70% | 3.75% | 3.95% | 4.01% |
| 36 Month | $1,000 | 3.70% | 3.75% | 3.95% | 4.01% |
| 48 Month | $1,000 | 3.65% | 3.70% | 3.90% | 3.96% |
| 60 Month | $1,000 | 3.65% | 3.70% | 3.90% | 3.96% |
| FLEX Certificate | $1,000 | 3.75% | 3.80% | 4.00% | 4.06% |
*APY=Annual Percentage Yield
Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals.
Member Rewards Checking Account*
| Minimum Balance | Nominal Rate | APY* |
|---|---|---|
| $2,500 | 0.05% | 0.05% |
| $10,000 | 0.15% | 0.15% |
| $25,000 | 0.25% | 0.25% |
*APY=Annual Percentage Yield
Dividends are calculated on your average daily balance and are compounded and credited to your account monthly.
Money Market Investment Checking Account
| Minimum Balance | Nominal Rate | APY* |
|---|---|---|
| $2,500 | 0.50% | 0.50% |
| $10,000 | 0.70% | 0.70% |
| $25,000 | 0.90% | 0.90% |
| $100,000 | 1.10% | 1.11% |
*APY=Annual Percentage Yield
IRA Investment Account
| Minimum Balance | Nominal Rate | APY* |
|---|---|---|
| $500 | 1.50% | 1.51% |
| $10,000 | 2.00% | 2.02% |
| $25,000 | 2.50% | 2.52% |
| $50,000 | 3.00% | 3.03% |
| $100,000 | 3.25% | 3.29% |
*APY=Annual Percentage Yield
Dividends are calculated on your average daily balance and are compounded and credited to your account quarterly.
Dividends are calculated on your average daily balance and are compounded and credited to your account monthly.
Savings Calculators
See How Much You Can Save
To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Compute" button.
Build Your Savings Calculator
To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Compute" button.
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.