Deposit Accounts
| Account | Dividend Rate | APY** |
|---|---|---|
| Savings $25-$50,000 | 0.05% | 0.05% |
| Savings $50,000.01-$100,000 | 0.10% | 0.10% |
| Savings Over $100,000 | 0.15% | 0.15% |
| IRA Shares | 0.20% | 0.20% |
| Checking (over $500) | 0.00% | 0.00% |
Share Certificates***
| Term | Dividend Rate | APY** |
|---|---|---|
| 6-Month | 3.00% | 3.06% |
| 12-Month | 3.60% | 3.67% |
| 18-Month | 3.50% | 3.57% |
| 24-Month | 3.35% | 3.41% |
| 36-Month | 3.15% | 3.20% |
| 48-Month | 3.05% | 3.10% |
| 60-Month | 2.95% | 2.99% |
IRA Certificates***
| Term | Dividend Rate | APY** |
|---|---|---|
| 6-Month | 3.00% | 3.06% |
| 12-Month | 3.60% | 3.67% |
| 18-Month | 3.50% | 3.57% |
| 24-Month | 3.35% | 3.41% |
| 36-Month | 3.15% | 3.20% |
| 48-Month | 3.05% | 3.10% |
| 60-Month | 2.95% | 2.99% |
Money Market****
| Account | Dividend Rate | APY** |
|---|---|---|
| MMD $500 Up to $50,000 | 2.50% | 2.52% |
| MMD $50,000.01 - $100,000 | 2.75% | 2.78% |
| MMD Over $100,000 | 3.00% | 3.03% |
**APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce the earnings on the account. There is a penalty for early withdrawal on Share Certificates.
Rates current as of August 1, 2025 and subject to change. ***Certificate rate/APY effective as of August 1, 2025. ****Money Market rate/APY effective as of April 1, 2025.
