Savings Rates

Current rates are subject to change without notice. Rates below are effective March 1, 2018.

Share Certificate / IRA Share Certificate Special1

Term Minimum Opening Deposit Dividend Rate Annual Percentage Yield
21 Months $ 10,000.00 2.00% 2.02%

Dream Saver Certificate1

Term Min. Opening Deposit3 Dividend Rate Annual Percentage Yield
1 Year
$50.00 1.10% 1.11%
2 Years
$50.00 1.50% 1.51%
3 Years
$50.00 1.60% 1.61%
4 Years
$50.00 1.60% 1.61%
5 Years
$50.00 1.98% 2.00%
 

Share Certificates1 / IRA Share Certificates1

Term Min. Opening Deposit Dividend Rate Annual Percentage Yield
6 Months2
$1,000.00 0.40% 0.40%
1 Year
$1,000.00
1.60% 1.61%
2 Years
$1,000.00
1.90% 1.92%
3 Years
$1,000.00 2.00% 2.02%
4 Years
$1,000.00 2.00% 2.02%
5 Years
$1,000.00
2.25% 2.27%

1The Early Withdrawal Penalty will equal 10 days of dividends per month of the term on the amount subject to penalty.  For example, a 24 month certificate will have a 240 day penalty. Dividends will be credited to certificates monthly.  Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each month. 

 2Not available under the IRA Share Certificate Program. 3Requires an automatic deposit of at least $20.00 per month via payroll, ACH, or recurring transfer.  

Money Market Accounts
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.35% 0.35%
$25,000.00 - $99,999.99 0.45% 0.45%
$100,000.00 & higher 0.50% 0.50%

IRA Savings
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $49.99 0.00% 0.00%
$50.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.35% 0.35%
$25,000.00 - $99,999.99 0.45% 0.45%
$100,000.00 & higher 0.50% 0.50%

Ultimate High Yield Checking3
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $10,000.00 1.98% Blended 0.22-2.02%APY
$10,000.01 & higher 0.15% Blended 0.22-2.02%APY

3APY=Annual Percentage Yield. APY accurate as of 7/01/2017. Rates may change after account is opened. Qualifications to earn interest: 12 signature-based debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle;  balances up to $10,000 receive APY of 2.00%; and balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.22% - 2.02% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY.  Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Limit one account per SSN. 

Simply Free Checking Account
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $4,999.99 0.10% 0.10%
$5,000.00 & higher 0.15% 0.15%

Savings/Christmas Club
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $99.99 0.00% 0.00%
$100.00 - $999.99 0.05% 0.05%
 $1,000.00 - $2,499.99 0.10% 0.10%
$2,500.00 & higher 0.13% 0.13%