Calculator

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

Save to Win
Save to Win 1 Year Certificate Rate APY*
$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 (CD)
3-Month Certificate Rate APY*
$500.00 - $99,999.99  0.20% 0.20%
$100,000.00 and above 0.30% 0.30%
$500.00 minimum - no maximum. Penalty for early withdrawal applies. 3 month term subject to a 30 day dividend penalty.  

6-Month Certificate Rate APY*
$500.00 - $99,999.99  0.30% 0.30%
$100,000.00 and above 0.35% 0.35%
$500.00 minimum - no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.
 

1-Year Certificate Rate APY*
$500.00 - $99,999.99 0.50% 0.50%
$100,000.00 and above 0.55% 0.55%
$500.00 minimum - no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.


2-Year Certificate Rate APY*
$500.00 - $99,999.99 0.80% 0.80%
$100,000.00 and above 0.90% 0.90%
$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  Rate APY*
$500.00 - $99,999.99 1.14% 1.15%
$100,000.00 and above 1.24% 1.25%
$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  Rate APY*
$500.00 - $99,999.99 1.29% 1.30%
$100,000.00 and above 1.39% 1.40%
$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 Rate APY*
$500.00 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.59% 1.60%
$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 Rate APY*
$100 - $99,999.99 0.30% 0.30%
$100,000.00 and above 0.35% 0.35%
$100.00 minimum - no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.    
1-Year IRA Certificate Rate APY*
$100 - $99,999.99 0.50% 0.50%
$100,000.00 and above 0.55% 0.55%
$100.00 minimum - no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.    
2-Year IRA Certificate Rate APY*
$100 - $99,999.99 0.80% 0.80%
$100,000.00 and above 0.90% 0.90%
$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 Rate APY*
$100 - $99,999.99 1.14% 1.15%
$100,000.00 and above 1.24% 1.25%
$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 Rate APY*
$100 - $99,999.99 1.29% 1.30%
$100,000.00 and above 1.39% 1.40%
$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 Rate APY*
$100 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.59% 1.60%
$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 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 0.05% 0.05%
Daily IRA Rate APY*
$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  0.20% 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 Rate
APY*
$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 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.    
Business Money Market  Rate APY*
$10,000.00 - $99,999.99 .30% .30%
$100,000.00 - $249,999.99 .40% .40%
$250,000.00 - $499,999.99 .50% .50%
$500,000.00 and above .60% .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 January 3, 2017.
 *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.