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Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5
0.40% 0.40%
Checking
Minimum Balance $0
0.00% *1 0.00%
Money Market
Minimum Balance $2500
3.00% 3.04%
Health Savings Account
Minimum Balance $0
3.00% 3.04%
Christmas Club
Minimum Balance $0
0.40% *2 0.40%
IRA
Minimum Balance $5
3.00% 3.04%
Rates Effective 10/01/2024
  • 1 $25 minimum deposit required to open a Checking account. When dividends are available, Average Daily Balances below $500 do not earn any dividends.
  • 2 Automatically transferred to Savings on Sept 30th
Type &
Minimum Balance
Period (Months)
3 6 12 18 24 36 48 60
Certificate
Minimum Balance $500
Div. Rate 3.10% 3.95% 3.95% 3.95% 3.95% 3.50% 3.50% 3.50%
APY* 3.14% 4.02% 4.02% 4.02% 4.02% 3.56% 3.56% 3.56%
Business Certificate
Minimum Balance $500
Div. Rate 3.10% 3.95% 3.95% 3.95% 3.95% 3.50% 3.50% 3.50%
APY* 3.14% 4.02% 4.02% 4.02% 4.02% 3.56% 3.56% 3.56%
IRA Certificate
Minimum Balance $500
Div. Rate 3.10% 3.95% 3.95% 3.95% 3.95% 3.50% 3.50% 3.50%
APY* 3.14% 4.02% 4.02% 4.02% 4.02% 3.56% 3.56% 3.56%
Premium Certificate
Minimum Balance $100,000
Div. Rate 3.20% 4.05% 4.05% 4.05% 4.05% 3.60% 3.60% 3.60%
APY* 3.25% 4.13% 4.13% 4.13% 4.13% 3.66% 3.66% 3.66%
Premium IRA Certificate
Minimum Balance $100,000
Div. Rate 3.20% 4.05% 4.05% 4.05% 4.05% 3.60% 3.60% 3.60%
APY* 3.25% 4.13% 4.13% 4.13% 4.13% 3.66% 3.66% 3.66%
HSA Certificate
Minimum Balance $500
Div. Rate 3.10% 3.95% 3.95% 3.95% 3.95% 3.50% 3.50% 3.50%
APY* 3.14% 4.02% 4.02% 4.02% 4.02% 3.56% 3.56% 3.56%
Rates Effective 11/12/2024* All savings rates quoted as annual percentage yields.
  • ** If the term of a certificate is 18 months or less, the forfeiture is an amount equal to one month of dividends, whether earned or not. If the term of a certificate is more than 18 months, the forfeiture is an amount equal to six months of dividends, whether earned or not.
  • *** Rates subject to change without a notice.
  • **** Fees could reduce the earnings on an account.