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Account Rate APY* Minimum Balance
6-month Term Share Account (TSA) 4.250 4.303 $500.00
12-month TSA/IRA 3.750 3.815 $500.00
18-month TSA/IRA 0.650 0.651 $500.00
24-month TSA/IRA 0.650 0.651 $500.00
Ultra 25 TSA/IRA 0.600 0.602 $1,000.00
30-month TSA/IRA 0.650 0.651 $500.00
36-month TSA/IRA 0.650 0.651 $500.00
48-month TSA/IRA 0.650 0.651 $500.00
60-month TSA/IRA 0.750 0.753 $500.00
Accumulative IRA ** 0.750 0.752 n/a
Investment Plus ** 0.750 0.753 $2,500.00
Share Account 0.050 0.050 $5.00
Special Shares 0.050 0.050 n/a
Christmas Club *** 0.050 0.050 n/a
Free Interest Checking 0.010 0.010 n/a
Premium Interest Checking**** 0.030 0.030 $100.00
Gold Interest Checking 0.010 0.010 n/a

Rates are subject to change without notice. Rates for share, special share, and share draft accounts represent intended rates for the current quarter as declared by the Board of Directors; actual rates are declared at quarter end. Early-withdrawal penalties are: 6 month, 30 days; 12 & 18 month, 60 days; 24 month, Ultra 25 & 30 month, 90 days; 36 month, 120 days; 48 month, 150 days; 60 month, 180 days.

Rates updated 11/23/2022

* Annual Percentage Yield ** Variable rate *** The maturity of the Christmas Club is Sept. 30. However, its term varies depending on the date the account is opened. The maximum monthly deposit for a Christmas Club Account is $1,000. Rate subject to change quarterly. **** The Premium Interest Checking Account is $100 minimum to open. This account has a monthly service fee of $5, which will be waived if the balance is kept at $500 or higher. The account must have an average daily balance of $500 to earn the stated APY in a given month.