Savings Rates

Savings Rates

Current rates are subject to change without notice. 

Share Certificate1 / IRA Share Certificate1 Special
 Term Minimum Opening Deposit Dividend Rate Annual Percentage Yield
15 Months $ 1,000.00 1.00% 1.01%
27 Months $ 1,000.00 1.60% 1.61%

Dream Saver Certificate1
 Term Min. Opening Deposit3  Dividend Rate  Annual Percentage Yield
1 Year
$50.00 0.70% 0.70%
2 Years
$50.00 1.10% 1.11%
3 Years
$50.00 1.20% 1.21%
4 Years
$50.00 1.30% 1.31%
5 Years
$50.00 1.74% 1.75%

Share Certificates1 / IRA Share Certificates1
 Term  Balance  Dividend Rate  Annual Percentage Yield
6 Months2
$1,000.00 & higher 0.40% 0.40%
1 Year
$1,000.00 & higher
0.70% 0.70%
2 Years
$1,000.00 & higher
1.10% 1.11%
3 Years
$1,000.00 & higher
1.20% 1.21%
4 Years
$1,000.00 & higher 1.30% 1.31%
5 Years
$1,000.00 & higher
1.74% 1.75%

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. 

 2 Not 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%

Daily Investment Account
(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 0.10% 0.10%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.00 0.10% 0.10%
$25,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 & higher 0.25% 0.25%

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%




Money Market Accounts
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.25% 0.25%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 & higher 0.40% 0.40%

Money Market Accounts
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.25% 0.25%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 & higher 0.40% 0.40%

IRA Savings
(dividends paid monthly on daily balances)
$0.01 - $49.99 0.00% 0.00%
$50.00 & higher 0.20% 0.20%

IRA Savings
(dividends paid monthly on daily balances)
$0.01 - $49.99 0.00% 0.00%
$50.00 & higher 0.20% 0.20%

Daily Investment Account 
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $24,999.00 0.10% 0.10%
$25,000.00 - $99,999.99 0.20% 0.20%
$100,000.00 & higher 0.25% 0.25%