Deposit Rates

 
Account Rate APY* Minimum Balance
6-month Term Share Account (TSA) 0.650 0.651 $500.00
12-month TSA/IRA 0.950 0.950 $500.00
18-month TSA/IRA 0.400 0.400 $500.00
24-month TSA/IRA 1.250 1.260 $500.00
Ultra 25 TSA/IRA 0.400 0.400 $1,000.00
30-month TSA/IRA 0.500 0.500 $500.00
36-month TSA/IRA 1.500 1.510 $500.00
48-month TSA/IRA 1.750 1.760 $500.00
60-month TSA/IRA 2.250 2.270 $500.00
Accumulative IRA ** 0.400 0.350 n/a
Investment Plus ** 0.400 0.350 $2,500.00
Share Account 0.250 0.100 $5.00
Special Shares 0.250 0.100 n/a
Christmas Club *** 0.250 0.100 n/a
Free Interest Checking 0.020 0.020 n/a
Premium Interest Checking**** 0.050 0.050 $100.00
Gold Interest Checking 0.020 0.020 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 1/10/2018

* 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.