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Savings Accounts
Effective Date: Friday, January 27th, 2023
Account TypeRateAPYDividends Paid
Regular Share 0.030% 0.030% Quarterly
Christmas Club Account 0.030% 0.030% Quarterly
Vacation Club Account 0.030% 0.030% Quarterly

APY = Annual Percentage Yield

Dividends are calculated using the daily balance, paid and compounded quarterly. $100 minimum balance required to earn dividends if age 18 or older. No minimum balance required if under 18. Dividend rate is subject to change at any time. Fees may reduce earnings on the regular savings account.

Money Fund (Variable)
Effective Date: Friday, January 27th, 2023
Minimum Deposit AmountRateAPYDividends Paid
$2,500-$9,999 0.15% 0.15% Monthly
$10,000-$49,999 0.30% 0.30% Monthly
Over $50,000 0.40% 0.40% Monthly

APY = Annual Percentage Yield

Dividends are calculated using the daily balance, paid and compounded monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.

Certificate & IRA Rates
Effective Date: Friday, January 27th, 2023
Minimum certificate deposit of $1,000 required.
Account TypeRateAPYDividends PaidPenalties
3 Month Cert / IRA 0.500% 0.500% At Maturity 90 days* 
6 Month Cert / IRA 0.750% 0.750% At Maturity 90 days* 
12 Month Cert / IRA 3.000% 3.040% Monthly 180 days* 
18 Month Cert / IRA 3.500% 3.560% Monthly 180 days* 
24 Month Cert / IRA 1.200% 1.210% Monthly 180 days* 
36 Month Cert / IRA 1.300% 1.310% Monthly 180 days* 
48 Month Cert / IRA 1.400% 1.410% Monthly 180 days* 
60 Month Cert / IRA 1.500% 1.510% Monthly 180 days* 

APY = Annual Percentage Yield

A minimum of $1,000 is required to purchase all Share Certificates.

* Penalty for early withdrawal of funds may apply on Certificate products.

Variable Rate IRA
Effective Date: Friday, January 27th, 2023
Minimum Deposit AmountRateAPYDividends Paid
$100-$2,499 0.250% 0.250% Quarterly
$2,500-$9,999 0.500% 0.501% Quarterly
$10,000-$49,999 0.600% 0.601% Quarterly
Over $50,000 0.750% 0.752% Quarterly

APY = Annual Percentage Yield

$100.00 minimum balance to earn the stated APY.

No minimum variable IRA balance required to open. Variable IRA dividends are calculated using the daily balance, paid and compounded quarterly. Variable IRA dividend rate is subject to change at any time.

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