Savings Rates
Share Savings
Effective Date: Friday, July 18th, 2025
Minimum balance to open is $5.00. Minimum balance to earn interest is $100.00.
| Type | APY** | APR* |
|---|---|---|
| Regular Share Savings | 0.05% | 0.05% |
| IRA Share Savings | 0.05% | 0.05% |
Certificates (Regular and IRA)
Effective Date: Friday, July 18th, 2025
Minimum balance to open and earn interest is $1,000.00. Minimum balance to open and earn interest on Youth Certificate is $100.00.
| Term | APY** | APR* |
|---|---|---|
| 6 Months | 4.25% | 4.18% |
| 12 Months | 4.00% | 3.93% |
| 18 Months | 3.50% | 3.45% |
| 24 Months $0-$49,999 | 3.50% | 3.45% |
| 24 Months $50,000-$99,999 | 3.55% | 3.50% |
| 24 Months $100,000 and over | 3.60% | 3.55% |
| 36 Months $0-$49,999 | 3.25% | 3.20% |
| 36 Months $50,000-$99,999 | 3.30% | 3.25% |
| 36 Months $100,000 and over | 3.35% | 3.30% |
| 48 Months $0-$49,999 | 3.90% | 3.83% |
| 48 Months $50,000-$99,999 | 3.95% | 3.88% |
| 48 Months $100,000 and over | 4.00% | 3.92% |
| 60 Months $0-$49,999 | 3.00% | 2.96% |
| 60 Months $50,000-$99,999 | 3.05% | 3.01% |
| 60 Months $100,000 and over | 3.10% | 3.06% |
| A penalty will or may be imposed for early withdrawal | ||
Money Market Savings
Effective Date: Friday, July 18th, 2025
$2,500.00 minimum to open and earn dividends.
| Balance | APY** | APR* |
|---|---|---|
| $0 to $2,499 | 0.00% | 0.00% |
| $2,500 to $4,999 | 0.00% | 0.00% |
| $5,000 to $24,999 | 0.50% | 0.50% |
| $25,000 to $49,999 | 0.75% | 0.75% |
| $50,000 to $74,999 | 2.25% | 2.25% |
| $75,000 to $99,999 | 2.50% | 2.50% |
| $100,000 to $199,999.99 | 3.00% | 3.00% |
| $200,000 to $999,999.99 | 3.50% | 3.50% |
What could my recurring (monthly) savings grow to?
Different factors can impact the growth of your savings over time such as the frequency of deposits and the rate of compounding. Use this calculator to determine the future value of your recurring savings and any existing balance you might have accumulated.