Grow your money with great rates on a variety of savings options
Certificates of Deposit (CDs)
| Certificate | Rate | APY* |
|---|---|---|
| 3-Month Certificate | 0.20% | 0.20% |
| 6-Month Certificate | 0.30% | 0.30% |
| 1-Year Certificate | 0.50% | 0.50% |
| 2-Year Certificate | 0.60% | 0.60% |
| 3-Year Certificate | 0.75% | 0.75% |
| 4-Year Certificate | 0.95% | 0.95% |
| 5-Year Certificate | 1.14% | 1.15% |
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.
33-Month 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
| IRA Certificate | Rate | APY* |
|---|---|---|
| 6-Month IRA Certificate | 0.30% | 0.30% |
| 1-Year IRA Certificate | 0.50% | 0.50% |
| 2-Year IRA Certificate | 0.60% | 0.60% |
| 3-Year IRA Certificate | 0.75% | 0.75% |
| 4-Year IRA Certificate | 0.95% | 0.95% |
| 5-Year IRA Certificate | 1.14% | 1.15% |
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.
33-Month 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
$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 | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.01% | 0.01% |
$5.00 minimum to open. Fees may reduce earnings.
| Business Savings | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.05% | 0.05% |
$5.00 minimum to open. Fees may reduce earnings.
| Captain Choice/My Choice | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| Dividends earned on any balances | 0.01% | 0.01% |
| Daily IRA | ||
| $100.00 and above | 0.10% | 0.10% |
Traditional, Roth, Coverdell, or Roth Conversion
| Holiday Savings Account | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| $0.00 - $49,999.99 | 0.05% | 0.05% |
| $50,000.00 - $249,999.99 | 0.15% | 0.15% |
| $250,000.00 - $499,999.99 | 0.35% | 0.35% |
| $500,000.00 and above | 0.50% | 0.50% |
$50,000.00 minimum to open. Fees may reduce earnings. Anytime access. Can write up to three checks per month.
| Business Money Market | Rate | APY* |
|---|---|---|
| $10,000.00 - $99,999.99 | 0.10% | 0.10% |
| $100,000.00 - $249,999.99 | 0.15% | 0.15% |
| $250,000.00 - $499,999.99 | 0.34% | 0.35% |
| $500,000.00 and above | 0.49% | 0.50% |
$10,000.00 minimum to open. Reg D limitations apply (six transactions per month, which includes cleared drafts). Fees may reduce earnings. Anytime access.
Checking Accounts
| Choice Checking | Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $24,999.99 | 0.05% | 0.05% |
| $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 and above | 0.15% | 0.15% |
No minimum to open. Fees may reduce earnings.
| Business Deluxe and Business Premium Checking | Rate | APY* |
|---|---|---|
| $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.
Rates effective June 1, 2020.
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 Yield
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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