Savings
Type Minimum Balance Dividend Calculation Frequency of Compounding Annual Dividend Rate(ADR) Annual %age Yield(APY) Subject to Change
Regular Share (primary) $5.00 Daily Quarterly 0.05% 0.05% Quarterly
Christmas Club $0.00 Daily Quarterly 0.05% 0.05% Quarterly
Vacation Club $0.00 Daily Quarterly 0.05% 0.05% Quarterly
Insurance Club $0.00 Daily Quarterly 0.05% 0.05% Quarterly
Health Savings Club $0.00 Daily Quarterly 0.10% 0.10% Quarterly
Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends.


 
Checking
Type Minimum Balance Dividend Calculated Frequency of Compounding Annual Div. Rate Annual %age Yield Subject to Change
High Yield Checking ($500 - $15,000) $500 Daily Monthly 1.65% 1.65% Monthly
Premier ($0-$4,999) $0 Daily Monthly 0.03% 0.03% Monthly
Premier ($5,000 +) $0 Daily Monthly 0.10% 0.10% Monthly
Classic 55 ($1,000-$4,999) $0 Daily Monthly 0.03% 0.03% Monthly
Classic 55 ($5,000 +) $0 Daily Monthly 0.10% 0.10% Monthly
Health Savings Checking $0 Daily Monthly 0.10% 0.10% Quarterly
Money Market $2,500 Daily Monthly 0.15% 0.15% Daily
Money Market $25,000 Daily Monthly 0.20% 0.20% Daily
Money Market $75,000 Daily Monthly 0.25% 0.25% Daily
Money Market $100,000 Daily Monthly 0.30% 0.30% Daily
Dividends calculated daily, compounded/posted monthly.


 
Certificate
Minimum to Open 3 Months
(ADR/APY)
6 Months
(ADR/APY)
12 Months
(ADR/APY)
13 Months1
(ADR/APY)
19 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
36 Months
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.25/0.25 0.30/0.30 0.70/0.70 0.55/0.55 0.90/0.90 1.00/1.00 0.80/0.80 1.04/1.05 1.24/1.25
$50,000-99,999 0.20/0.20 0.25/0.25 0.65/0.65 0.50/0.50 0.85/0.85 0.95/0.95 0.75/0.75 1.00/1.00 1.19/1.20
$10,000-49,999 0.15/0.15 0.20/0.20 0.60/0.60 0.45/0.45 0.80/0.80 0.90/0.90 0.70/0.70 0.95/0.95 1.14/1.15
$500-9,999 0.10/0.10 0.15/0.15 0.55/0.55 0.40/0.40 0.75/0.75 0.80/0.80 N/A/N/A 0.90/0.90 1.09/1.10
Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice.


 
Individual Retirement Accounts
Type Minimum Balance Annual Dividend Rate(ADR) Annual %age Yield(APY) Subject to Change
Traditional $0.00 0.10% 0.10% Quarterly
Roth Club $0.00 0.10% 0.10% Quarterly
Education Club $0.00 0.10% 0.10% Quarterly
Dividends calculated daily, compounded/posted quarterly.


 
Traditional IRA Certificates
Minimum to Open 6 Months
(ADR/APY)
12 Months
(ADR/APY)
13 Months1
(ADR/APY)
19 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
36 Months
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.30/0.30 0.70/0.70 0.55/0.55 0.90/0.90 1.00/1.00 0.80/0.80 1.04/1.05 1.24/1.25
$50,000-99,999 0.25/0.25 0.65/0.65 0.50/0.50 0.85/0.85 0.95/0.95 0.75/0.75 1.00/1.00 1.19/1.20
$10,000-49,999 0.20/0.20 0.60/0.60 0.45/0.45 0.80/0.80 0.90/0.90 0.70/0.70 0.95/0.95 1.14/1.15
$500-9,999 0.15/0.15 0.55/0.55 0.40/0.40 0.75/0.75 0.85/0.85 NA/NA 0.90/0.90 1.09/1.10
Dividends calculated daily, compounded/posted monthly.


 
ROTH IRA Certificates
Minimum to Open 6 Months
(ADR/APY)
12 Months
(ADR/APY)
13 Months1
(ADR/APY)
19 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.30/0.30 0.70/0.70 0.55/0.55 0.90/0.90 1.00/1.00 0.80/0.80 1.24/1.25
$50,000-99,999 0.25/0.25 0.65/0.65 0.50/0.50 0.85/0.85 0.95/0.95 0.75/0.75 1.19/1.20
$10,000-49,999 0.20/0.20 0.60/0.60 0.45/0.45 0.80/0.80 0.90/0.90 0.70/0.70 1.14/1.15
$500-9,999 0.15/0.15 0.55/0.55 0.40/0.40 0.75/0.75 0.85/0.85 NA/NA 1.09/1.10
Dividends calculated daily, compounded/posted monthly.


 
Education IRA Certificates
Minimum to Open 6 Months
(ADR/APY)
12 Months
(ADR/APY)
13 Months1
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
Jumbo Certificate $100,000+ 0.30/0.30 0.70/0.70 0.55/0.55 1.00/1.00 0.80/0.80
$50,000-99,999 0.25/0.25 0.65/0.65 0.50/0.50 0.95/0.95 0.75/0.75
$10,000-49,999 0.20/0.20 0.60/0.60 0.45/0.45 0.90/0.90 0.70/0.70
$500-9,999 0.15/0.15 0.55/0.55 0.40/0.40 0.85/0.85 NA/NA
Dividends calculated daily, compounded/posted monthly.  

1 - 13 Month Bump Rate Certificate - rate may be changed by the member once after 6 months.
2 - 19 Month Bump Rate Certificate - rate may be changed by the member once after 9 months.
3 - 25 Month Bump Rate Certificate - rate may be changed by the member once after 12 months.
4 - 60 Month certificate rate is a variable rate that may change annually on January 1st of each year.

  Open Account