Skip to main content

Deposit Rates

Table data for Share/Savings Account Rates
 Effective 12-07-2022
Minimum Balance to Earn APY APY1 Dividend Rate Alert Me
Share Savings $200 & greater 0.02% 0.02%
Christmas Club $100 & greater 0.10% 0.10%
IRA Savings $25 & greater 0.10% 0.10%
Youth & Young Adult Savings2 $0.01 & greater 0.10% 0.10%
The minimum balance required to open a Share or Youth & Young Adult savings account is $5; for IRA savings, it is $25. There is no minimum balance to open a Christmas Club account.
  • 1APY = Annual Percentage Yield
  • 2The Youth, Teen or Young Adult Share Savings account is eligible for 24 and under only, and upon the primary accountholder's 25th birthday, this account will automatically convert to a Regular Share Savings account, subject to its rates and conditions.
Table data for Checking Account Rates
 Effective 12-07-2022
Minimum Balance to Earn APY APY1 Dividend Rate Alert Me
Checking Plus Up to $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 & greater 0.15% 0.15%
Silver ADVANTAGE $0.01 & greater 0.15% 0.15%
Minimum balance required to open a Checking Plus account is $2,500. There is no minimum balance required to open a Silver ADVANTAGE Checking account.
  • 1APY = Annual Percentage Yield
Table data for Insured Money Market Account Rates
 Rates effective 12-07-2022
Minimum Balance to Earn APY APY1 Dividend Rate Alert Me
Regular Money Market Up to $2,499.99 1.20% 1.19%
$2,500 - $24,999.99 1.25% 1.24%
$25,000 - $74,999.99 1.50% 1.49%
$75,000 - $99,999.99 1.50% 1.49%
$100,000 & greater 1.55% 1.54%
Young Adult Money Market Up to $999.99 0.10% 0.10%
$1,000 & greater 1.50% 1.49%
Minimum balance required to open a Regular Money Market Account is $2,500; for Young Adult Money Market Account, it is $1,000. In accordance with Federal Regulation D, you are allowed to make up to six withdrawals from a money market account in any combination of electronic debits and drafts. Once you have met your allowed quantity, further drafts and electronic debits will be rejected until the next statement cycle.
  • 1APY = Annual Percentage Yield
Table data for Regular Certificates & IRAs
 Effective 12-07-2022
Term APY1 Dividend Rate Alert Me
3 months 1.25% 1.24%
6 months 2.00% 1.98%
12 months 3.00% 2.96%
18 months 2.50% 2.47%
24 months 2.75% 2.72%
36 months 2.75% 2.72%
48 months 3.00% 2.96%
60 months 3.25% 3.20%
$500 min. to open regular certificates; $100 min. to open IRA cerficiates.
Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
  • 1APY = Annual Percentage Yield
Table data for Bump Up Certificates
 Effective 12-07-2022
Term APY1 Dividend Rate Alert Me
20 months 2.75% 2.72%
30 months 2.75% 2.72%
$5,000 min. to open 20-month; $10,000 min. to open 30-month; Bump Up is a one-time adjustment to current rate, up to 100 basis points.

Dividends compound quarterly. There is a penalty for early withdrawal. Exercising your bump-up option means that your rate will adjust to the stated current rate at the time you exercise the option. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.
  • 1APY = Annual Percentage Yield
Table data for Educational Growth Certificate
 Effective 12-07-2022
Term APY1 Dividend Rate Alert Me
Matures on 18th birthday 2.75%2 2.72%
$200 min. to open.

Dividends compound monthly. There is a penalty for early withdrawal. This account is not renewable upon maturity. All proceeds from this account are reported under the minor's social security for tax purposes.
  • 1APY = Annual Percentage Yield
  • 2Fixed Rate.