Deposit Rates
Term Share (Non-IRA) & Individual Retirement Account (IRA) Certificate Rates - Regular Term*
Effective Date: 10/01/2025
| Regular Term | Minimum Investment | Dividend Rate | APY | Type |
|---|---|---|---|---|
| 3 | $500 | 1.00% | 1.00% | FIXED |
| 6 | $500 | 3.45% | 3.50% | FIXED |
| 12 | $500 | 3.59% | 3.65% | FIXED |
| 24 | $500 | 3.30% | 3.35% | FIXED |
| 36 | $500 | 3.10% | 3.15% | FIXED |
| 48 | $500 | 3.15% | 3.20% | FIXED |
| 60 | $500 | 3.20% | 3.25% | FIXED |
*The minimum deposit to earn the advertised APY (Annual Percentage Yield) is dependent on the certificate term invested. Periodic interest is compounded monthly and credited monthly. The step‐up option allows the interest rate of the CD to increase one time during the term without penalty and is available when the original term of the CD is 24 months or greater AND the original investment amount is $5,000 or greater. At maturity, the CD will automatically renew at the original certificate term or less, and at the prevailing rate. APY is accurate as of the date indicated above and applies to the initial term of your CD. Penalty for early withdrawal: Non-IRA Term Share Certificates: When the term is 24 months or less, the penalty is a loss of 90 days of dividends on the amount withdrawn. When the term is greater than 24 months, the penalty is a loss of 180 days of dividends on the amount withdrawn. IRA Term Share Certificates: When the term is 24 months or less, the penalty is a loss of 90 days of dividends on the amount withdrawn AND if closed, a $25 Administrative Fee. When the term is greater than 24 months, the penalty is a loss of 180 days of dividends on the amount withdrawn AND if closed, a $25 Administrative Fee. Important Info: Early withdrawal penalties disclosure for Non-IRA Term Share Certificates is 90 days' of dividends on the amount withdrawn when the term is equal to or less than 24 months, and 180 days’ of dividends on the amount withdrawn when the term is greater than 24 months. Early withdrawal penalties for IRA Term Share Certificates is 90 days’ of dividends on the amount withdrawn +$25 Fee (if closed) when the term is equal to or less than 24 months, and 180 days’ of dividends + $25 Fee (if closed) on the amount withdrawn when the term is greater than 24 months. | ||||
Term Share (Non-IRA) & Individual Retirement Account (IRA) Certificate Rates - Jumbo Term*
Effective Date: 10/01/2025
| Jumbo Term | Minimum Investment | Dividend Rate | APY | Type |
|---|---|---|---|---|
| 12 | $25,000 | 3.69% | 3.75% | FIXED |
| 24 | $25,000 | 3.39% | 3.45% | FIXED |
| 36 | $25,000 | 3.20% | 3.25% | FIXED |
| 48 | $25,000 | 3.25% | 3.30% | FIXED |
| 60 | $25,000 | 3.30% | 3.35% | FIXED |
*The minimum deposit to earn the advertised APY (Annual Percentage Yield) is dependent on the certificate term invested. Periodic interest is compounded monthly and credited monthly. The step‐up option allows the interest rate of the CD to increase one time during the term without penalty and is available when the original term of the CD is 24 months or greater AND the original investment amount is $5,000 or greater. At maturity, the CD will automatically renew at the original certificate term or less, and at the prevailing rate. APY is accurate as of the date indicated above and applies to the initial term of your CD. Penalty for early withdrawal: Non-IRA Term Share Certificates: When the term is 24 months or less, the penalty is a loss of 90 days of dividends on the amount withdrawn. When the term is greater than 24 months, the penalty is a loss of 180 days of dividends on the amount withdrawn. IRA Term Share Certificates: When the term is 24 months or less, the penalty is a loss of 90 days of dividends on the amount withdrawn AND if closed, a $25 Administrative Fee. When the term is greater than 24 months, the penalty is a loss of 180 days of dividends on the amount withdrawn AND if closed, a $25 Administrative Fee. Important Info: Early withdrawal penalties disclosure for Non-IRA Term Share Certificates is 90 days' of dividends on the amount withdrawn when the term is equal to or less than 24 months, and 180 days’ of dividends on the amount withdrawn when the term is greater than 24 months. Early withdrawal penalties for IRA Term Share Certificates is 90 days’ of dividends on the amount withdrawn +$25 Fee (if closed) when the term is equal to or less than 24 months, and 180 days’ of dividends + $25 Fee (if closed) on the amount withdrawn when the term is greater than 24 months. | ||||
Money Market Account Rates**
Effective Date: 10/01/2025
| Account | Balance | Dividend Rate | APY | Type |
|---|---|---|---|---|
| Money Market | $5,000 - $249,999.99 | 3.00% | 3.00% | Variable |
| Money Market | $250,000 or greater | 0.25% | 3.00% - 2.54% | Variable |
**The dividend calculation method is Average Daily Balance (ADB), and dividends are calculated and paid monthly. Dividends are earned on the entire ADB balance if greater than $5,000. If below $5,000, a $10 monthly fee will be assessed, and no dividends are earned. The Annual Percentage Yield (APY) for ADBs between $5,000 and $250,000 is 3.00% APY. The dividend rate is .25% on balances $250,000 or greater and the resulting APY is blended. For example, the APY for $300,000 is 2.54% APY. Money Market rates are set monthly. Other fees may apply and can reduce the earnings on this account. This account does not permit debit card access, check writing, or BillPay payments. Account may not be used for overdraft protection or as collateral for secured loans. | ||||
Saving Account Rates***
Effective Date: 10/01/2025
| Account | Balance | Dividend Rate | APY | Type |
|---|---|---|---|---|
| Regular Share | $5 - $49,999.99 | 0.20% | 0.20% | Variable |
| Regular Share | $50,000 - $149,999.99 | 0.30% | 0.20% - 0.27% | Variable |
| Regular Share | $150,000.00 or greater | 0.45% | 0.27% - 0.40% | Variable |
| Skyward | $5 - $25,000 | 0.25% | 0.25% | Variable |
| Holiday Club | $5 or greater | 0.25% | 0.25% | Variable |
| IRA | $25 or greater | 0.65% | 0.65% | Variable |
***Saving and Checking Account rates are set monthly. Dividends on Savings are determined by dividing the Average Daily Balance (ADB) among each tier, and the accumulated amount is applied monthly. When the average daily balance includes multiple tiers, the resulting Annual Percentage Yield (APY) is blended. The calculated APY assumes an ADB of $500,000. Dividends on Checking accounts are paid on the ADB and credited monthly. | ||||
Checking Account Rates***
Effective Date: 10/01/2025
| Account | Balance | Dividend Rate | APY | Type |
|---|---|---|---|---|
| Basic | N/A | No Dividends | No Dividends | N/A |
| Secure | $2,500 or greater | 0.10% | 0.10% | VARIABLE |
| Skyward | $100 - $25,000 | 0.05% | 0.05% | VARIABLE |
***Saving and Checking Account rates are set monthly. Dividends on Savings are determined by dividing the Average Daily Balance (ADB) among each tier, and the accumulated amount is applied monthly. When the average daily balance includes multiple tiers, the resulting Annual Percentage Yield (APY) is blended. The calculated APY assumes an ADB of $500,000. Dividends on Checking accounts are paid on the ADB and credited monthly. | ||||