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Share Rates

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Grow your money with great rates on a variety of savings options

Certificates of Deposit (CD) Specials
13-Month CD RateAPY*   

$500 and above

1.49%

1.50%

23-Month CD RateAPY*   

$500 and above

2.47%

2.50%

38-Month CD RateAPY*   

$500 and above

2.71%

2.75%

59-Month CD RateAPY*   

$500 and above

3.00%

3.05%

 

$500 minimum - no maximum. Penalty for early withdrawal applies. Subject to a 90 day dividend penalty.

IRA Certificate Special
23-Month IRA Certificate   Rate  APY*   

$500 and above

2.47%

2.50%

 

 

Save to Win

1-Year Certificate

RateAPY*

$25 and above

0.39%

0.40% 

$25 minimum - no maximum. Save to Win 1 year term $25 per withdrawal. Official account and prize entry rules and a complete list of prizes are available at SaveToWin.org.

Certificates of Deposit (CDs)
3-Month Certificate RateAPY*
$500.00 - $99,999.99 0.20% 0.20%
$100,000.00 and above 0.30% 0.30%

 

6-Month Certificate RateAPY*
$500.00 - $99,999.99 0.30% 0.30%
$100,000.00 and above 0.35% 0.35%
 
1-Year Certificate RateAPY*
$500.00 - $99,999.99 0.50% 0.50%
$100,000.00 and above 0.55% 0.55%
 
2-Year Certificate RateAPY*
$500.00 - $99,999.99 0.80% 0.80%
$100,000.00 and above 0.90% 0.90%
 
3-Year Certificate  RateAPY*
$500.00 - $99,999.99 1.14% 1.15%
$100,000.00 and above 1.24% 1.25%
 
4-Year Certificate  RateAPY*
$500.00 - $99,999.99 1.29% 1.30%
$100,000.00 and above 1.39% 1.40%
 
5-Year Certificate RateAPY*
$500.00 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.59% 1.60%

 

3-Month Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 3 month term subject to a 30 day dividend penalty.


6-Month Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.


1-Year Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.


2-Year Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


3-Year Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


4-Year Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


5-Year Certificate

$500.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

IRA Certificates
6-Month IRA Certificate RateAPY*
$100 - $99,999.99 0.30% 0.30%
$100,000.00 and above 0.35% 0.35%

 

1-Year IRA Certificate RateAPY*
$100 - $99,999.99 0.50% 0.50%
$100,000.00 and above 0.55% 0.55%

 

2-Year IRA Certificate RateAPY*
$100 - $99,999.99 0.80% 0.80%
$100,000.00 and above 0.90% 0.90%

 

3-Year IRA Certificate RateAPY*
$100 - $99,999.99 1.14% 1.15%
$100,000.00 and above 1.24% 1.25%

 

4-Year IRA Certificate RateAPY*
$100 - $99,999.99 1.29% 1.30%
$100,000.00 and above 1.39% 1.40%

 

5-Year IRA Certificate RateAPY*
$100 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.59% 1.60%

6-Month IRA Certificate$100.00 minimum - no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.


1-Year IRA Certificate$100.00 minimum - no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.


2-Year IRA Certificate$100.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


3-Year IRA Certificate<b$100.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


4-Year IRA Certificate

$100.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.


5-Year IRA Certificate

$100.00 minimum - no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

Savings Accounts
Prime Savings/Young Adult/Business Savings RateAPY*
$100.00 and above 0.05%  0.05%

$5.00 minimum to open. Fees may reduce earnings.

Captain Choice/My Choice RateAPY*
 $5.00 - $500.00 3.00% 3.00% 
$500.01 and above 0.05% 0.05%

 $5.00 minimum to open. Fees may reduce earnings. Ages 0-17.

Daily Share RateAPY*
Dividends earned on any balances 0.05% 0.05%
Daily IRA    
$100.00 and above 0.10% 0.10%

Traditional, Roth, Coverdell, or Roth Conversion

Holiday Savings Account RateAPY*
$0.00 - $500.00 3.00% 3.00%
$500.01 - $4,999.99 0.50% 0.50%
$5,000.00 and above 0.05% 0.05%

Funds transferred to Prime Share or Checking account on 11/1 annually. These dividends are declared annually.

Money Market RateAPY*
$0.00 - $1,999.99 0.05% 0.05%
$2,000 - $24,999.99 0.10% 0.10%
$25,000.00 and above 0.15% 0.15%

$2,000.00 minimum to open. Fees may reduce earnings. Anytime access.

Money Market Plus RateAPY*
$0.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $249,999.99 0.20% 0.20%
$250,000.00 - $499,999.99 0.40% 0.40%
$500,000.00 and above 0.60% 0.60%

$50,000.00 minimum to open. Fees may reduce earnings. Anytime access. Can write up to three checks per month.

Choice Checking RateAPY*
$0.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 and above 0.20% 0.20%

No minimum to open. Fees may reduce earnings.

Business Deluxe and Business Premium Checking RateAPY*
$0.00 - $3,499.99 0.00% 0.00%
$3,500.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.15% 0.15%
$100,000.00 and above 0.25% 0.25%

$0.00 minimum to open. Fees may reduce earnings.

Business Money Market  RateAPY*
$10,000.00 - $99,999.99 0.30% 0.30%
$100,000.00 - $249,999.99 0.40% 0.40%
$250,000.00 - $499,999.99 0.50% 0.50%
$500,000.00 and above 0.60% 0.60%

$10,000.00 minimum to open. Reg D limitations apply (six transactions per month, which includes cleared drafts). Fees may reduce earnings. Anytime access.

Rates effective September 10, 2018.

We encourage you to keep your funds on deposit for the full term of your CD to maximize your earnings and avoid early withdrawal penalties.

*APY = Annual Percentage Rate

All annual percentage yields are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts, except the Holiday Club, will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements and Disclosures.

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