Savings Rates
Share Savings
Effective Date: Tuesday, December 16th, 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% |
Money Market Savings
Effective Date: Tuesday, December 16th, 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% |
Certificates (Regular and IRA)
Effective Date: Tuesday, December 16th, 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 | 4.15% | 4.08% |
| 12 Months | 4.00% | 3.93% |
| 18 Months | 3.00% | 2.96% |
| 24 Months $0-$49,999 | 3.00% | 2.96% |
| 24 Months $50,000-$99,999 | 3.05% | 3.01% |
| 24 Months $100,000 and over | 3.10% | 3.06% |
| 36 Months $0-$49,999 | 3.00% | 2.96% |
| 36 Months $50,000-$99,999 | 3.05% | 3.01% |
| 36 Months $100,000 and over | 3.10% | 3.06% |
| 48 Months $0-$49,999 | 3.00% | 2.96% |
| 48 Months $50,000-$99,999 | 3.05% | 3.01% |
| 48 Months $100,000 and over | 3.10% | 3.06% |
| 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 | ||
*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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