Deposit Rates

Savings rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Value Plus Money Market Daily Acct Less Than 1,000.00  0.05

Money Market Balance

1,000-4,999.99

 0.10

 Money Market Balance

5,000-9,999.99

 0.10

 Money Market Balance

 10,000-24,999.99

 0.15

 Money Market Balance

 25,000-49,999.99

 0.25

 Money Market Balance

 50,000-99,999.99

 0.30

 Money Market Balance

 100,000-249,999.99

 0.35

 Money Market Balance 

 250,000 and over

 0.50

 Regular Share Acct

 5.00 Minimum Balance

 0.10

 Value Plus Christmas Club

 0 Minimum Balance

 0.15

 Value Plus Vacation Club

 0 Minimum Balance

 0.15

APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
Fees could reduce the earnings on the account.

Rates current as of 7-18-2017.

Checking Rates

Checking Type

Minimum Opening Deposit

APY*

Prestige Checking Acct**

50.00 0.05
Six Star Checking Acct*** 50.00 0.75

APY*= Annual Percentage Yield

All accounts are variable and the rates may change at any time.
Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

**Not all Share Draft Accounts earn dividends.

*** Rate based on amount in account and requirements given at time of account opening. Failure to meet monthly requirements results in rate drop to .05% APY. For a full list of requirements Click Here.

Rates current as of 7-18-2017.

Certificate Rates

Certificate Type

Minimum Balance

APY*

Value Plus 6 Month Certificate

500.00

0.35

3 Month Certificate (quarterly dividends)

1,000.00

0.30

6 Month Certificate (monthly dividends)

1,000.00

0.45

6 Month Certificate (quarterly dividends)

1,000.00

0.45

9 Month Certificate (quarterly dividends) 1,000.00 0.50
12 Month Certificate (monthly dividends) 1,000.00 0.80
12 Month Certificate (quarterly dividends) 1,000.00 0.80
18 Month Certificate (monthly dividends) 1,000.00  1.11
18 Month Certificate (quarterly dividends) 1,000.00  1.11
24 Month Certificate (monthly dividends) 1,000.00 1.21
24 Month Certificate (quarterly dividends) 1,000.00 1.21 
2nd Chance 24 Month Certificate (quarterly dividends) 1,000.00 1.00
30 Month Certificate 1,000.00 1.26
36 Month Certificate 1,000.00 1.31
48 Month Certificate 1,000.00 1.36
2nd Chance 48 Month Certificate (quarterly dividends)   1.05
5 Year Certificate 1,000.00 1.46
For a Limited Time Only:    
N/A 1,000.00  
     
 *APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 7-18-2017.

Ira rates

IRA Type

Minimum Balance

APY*

IRA Variable Rate Acct**

100.00

0.10

IRA 12 Month Certificate

1,000.00

0.80

IRA 18 Month Certificate

1,000.00

1.11

IRA 24 Month Certificate

1,000.00

1.21

IRA 36 Month Certificate

1,000.00

1.31

IRA 48 Month Certificate

1,000.00

1.36

IRA 5 Year Certificate

1,000.00

1.46

Roth IRA Variable Rate Acct**

100.00

0.10

Roth IRA 12 Month Certificate

1,000.00

0.80

Roth IRA 18 Month Certificate

1,000.00

1.11

Roth IRA 24 Month Certificate

1,000.00

1.21

Roth IRA 36 Month Certificate

1,000.00

1.31

Roth IRA 48 Month Certificate

1,000.00

1.36

Roth IRA 5 Year Certificate

1,000.00

1.46

Coverdell Education Savings Variable Acct

No Minimum Balance Required

0.10

Coverdell Education 12 Month Certificate

1,000.00

0.80

Coverdell Education 18 Month Certificate

1,000.00

1.11

Coverdell Education 24 Month Certificate

1,000.00

1.21

Coverdell Education 36 Month Certificate

1,000.00

1.31

Coverdell Education 48 Month Certificate

1,000.00

1.36

Coverdell Education 5 Year Certificate

1,000.00

1.46

For a Limited Time Only:

   

N/A

N/A

N/A

*APY=Annual Percentage Yield
**Accounts marked are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
A penalty may be imposed for early withdrawal.
Rates current as of: 7-18-2017.