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

Certificates of Deposit (CD) and IRA Certificate Special!

Continue saving while you earn extra interest.

As of October 21, 2019, you can take advantage of the following CD and IRA special.

15-month CD and IRA with a special rate of 1.98% APR, 2.00% APY.

 

CD and IRA Certificate Special RateAPY*
15-Month Certificate 1.98% 2.00%

 

$500 minimum - no maximum. Penalty for early withdrawal applies.

Certificates of Deposit (CDs)
Certificate RateAPY*
3-Month Certificate 0.20% 0.20%
6-Month Certificate 0.30% 0.30%
1-Year Certificate 0.50% 0.50%
15-Month Certificate 1.98% 2.00%
2-Year Certificate 0.80% 0.80%
3-Year Certificate 1.14% 1.15%
4-Year Certificate 1.29% 1.30%
5-Year Certificate 1.49% 1.50%

 

  

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.


15-Month Certificate

$500 minimum—no maximum. Penalty for early withdrawal applies.


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
IRA Certificate RateAPY*
6-Month IRA Certificate 0.30% 0.30%
1-Year IRA Certificate 0.50% 0.50%
2-Year IRA Certificate 0.80% 0.80%
3-Year IRA Certificate 1.14% 1.15%
4-Year IRA Certificate 1.29% 1.30%
5-Year IRA Certificate 1.49% 1.50%

 

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
$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 October 21, 2019.

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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