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Savings Rates

Share Savings
Effective Date: Saturday, October 1st, 2022
Minimum balance to open is $5.00. Minimum balance to earn interest is $100.00.
APY**APR*
Regular Share Savings 0.05% 0.05%
IRA Share Savings 0.05% 0.05%

Money Market Savings
Effective Date: Saturday, October 1st, 2022
$2,500.00 minimum to open and earn dividends.
BalanceAPY**APR*
$0 to $2,499 0.00% 0.00%
$2,500 to $9,999 0.05% 0.05%
$10,000 to $24,999 0.05% 0.05%
$25,000 to $49,999 0.10% 0.10%
$50,000 to $74,999 0.10% 0.10%
$75,000 to $99,999 0.15% 0.15%
$100,000 to $999,999 0.20% 0.20%

Certificates (Regular and IRA)
Effective Date: Saturday, October 1st, 2022
Minimum balance to open and earn interest is $1,000.00. Minimum balance to open and earn interest on Youth Certificate is $100.00.
TermAPY**APR*
6 Months 0.10% 0.10%
12 Months 0.20% 0.20%
18 Months 0.20% 0.20%
24 Months $0-$49,999 0.30% 0.30%
24 Months $50,000-$99,999 0.35% 0.35%
24 Months $100,000 and over 0.40% 0.40%
36 Months $0-$49,999 0.50% 0.50%
36 Months $50,000-$99,999 0.55% 0.55%
36 Months $100,000 and over 0.60% 0.60%
48 Months $0-$49,999 0.60% 0.60%
48 Months $50,000-$99,999 0.65% 0.65%
48 Months $100,000 and over 0.70% 0.70%
60 Months $0-$49,999 0.65% 0.65%
60 Months $50,000-$99,999 0.70% 0.70%
60 Months $100,000 and over 0.75% 0.75%
Penalty for certificate early withdrawal: Less than or equal to one year = 90 days. Term is greater than one year = 180 days.

*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. Rates are subject to change at any time. Fees could reduce earnings. Penalty for early withdrawal. $5.00 minimum to open a savings account, $100.00 minimum to earn dividends on a savings account. $1,000 minimum to open and to earn dividends on a Certificate or an IRA Certificate.  $100.00 minimum to open and earn dividends on a Youth Certificate. 

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