Share Rates
Annual Percentage Yield is accurate as of January 1, 2024
Rates and other terms may change at any time without prior notice.
Deposit Rates
$25.00 minimum investment. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | |||
| $25.00 | $25 to $2,500 | 0.02% | 0.02% |
| $25.00 | $2,500 to $5,000 | 0.02% | 0.02% |
| $25.00 | $5,000 to $10,000 | 0.05% | 0.05% |
| $25.00 | $10,000 & above | 0.10% | 0.10% |
| IRA Savings | |||
| $25.00 | 0.10% | 0.10% | |
| Christmas Club Savings | |||
| -- | 0.10% | 0.10% | |
| Savings Account Dividends are declared at the end of each quarter by the Board of Directors. | |||
| Checking Accounts | |||
| -- | 0.02% | 0.02% | |
| Checking Account Dividends will be compounded monthly and will be credited monthly. | |||
| Money Market - 78 | |||
| $2,500 | $0.00 - $2,499 | N/A | N/A |
| $2,500 - $9,999 | 0.10% | 0.10% | |
| $10,000 & above | 0.10% | 0.10% | |
| Money Market - 79 | |||
| $25,000.00 | $0 - $24,999 | N/A | N/A |
| $25,000 - $49,999 | 0.15% | 0.15% | |
| $50,000 - $99,999 | 0.20% | 0.20% | |
| $100,000 & above | 0.20% | 0.20% | |
Share & IRA Certificates
*$1,000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. If you close your share account before dividends are paid, you will not receive the accrued dividends.
| Terms | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular CD | |||
| 6 months | $1,000.00 | 3.10% | 3.10% |
| 12 months | $1,000.00 | 3.10% | 3.10% |
| 24 months | $1,000.00 | 3.30% | 3.30% |
| CD Dividends are compounded daily and paid monthly. | |||
| IRA Certificates | |||
| 1 year | $1,000.00 | 3.30% | 3.30% |
| 2 years | $1,000.00 | 3.45% | 3.45% |
| 3 years | $1,000.00 | 3.55% | 3.55% |
| 4 years | $1,000.00 | 3.65% | 3.65% |
| 5 years | $1,000.00 | 3.70% | 3.70% |
| IRA CDs are compounded daily and paid monthly | |||
For additional information regarding the accounts above, please refer to the Truth-In-Savings Disclosure.