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Savings
Type Minimum Balance Dividend Calculation Frequency of Compounding Annual Dividend Rate Annual Percentage
Yield (APY)
Subject to Change
Regular Share (primary) $1.00 Daily Quarterly 0.050% 0.05% Quarterly
Christmas Club $0.00 Daily Quarterly 0.050% 0.05% Quarterly
Vacation Club $0.00 Daily Quarterly 0.050% 0.05% Quarterly
Insurance Club $0.00 Daily Quarterly 0.050% 0.05% Quarterly
Health Savings Club $0.00 Daily Quarterly 0.100% 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 Dividend
Rate
Annual Percentage Yield (APY) Subject to Change
High Yield Checking ($500 - $15,000) $500 Daily Monthly 1.650% 1.65% Monthly
High Yield Checking ($15,000.01 +) $15,000.01 Daily Monthly 0.030% 0.03% Monthly
Premier ($0-$4,999) $0 Daily Monthly 0.030% 0.03% Monthly
Premier ($5,000 +) $0 Daily Monthly 0.100% 0.10% Monthly
Classic 55 ($1,000-$4,999) $0 Daily Monthly 0.030% 0.03% Monthly
Classic 55 ($5,000 +) $0 Daily Monthly 0.100% 0.10% Monthly
Health Savings Checking $0 Daily Monthly 0.100% 0.10% Quarterly
Money Market $2,500 Daily Monthly 0.150% 0.15% Daily
Money Market $25,000 Daily Monthly 0.200% 0.20% Daily
Money Market $75,000 Daily Monthly 0.250% 0.25% Daily
Money Market $100,000 Daily Monthly 0.300% 0.30% Daily
High Yield Money Market $250,000 Daily Monthly 1.492% 1.50% 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)
18 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
36 Months
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.250/0.25 0.300/0.30 0.698/0.70 0.549/0.55 2.00/2.00 1.000/1.00 0.797/0.80 1.045/1.05 1.900/1.90
$50,000-99,999 0.200/0.20 0.250/0.25 0.648/0.65 0.499/0.50 1.95/1.95 0.950/0.95 0.747/0.75 0.995/1.00 1.850/1.85
$10,000-49,999 0.150/0.15 0.200/0.20 0.598/0.60 0.449/0.45 1.90/1.90 0.900/0.90 0.698/0.70 0.946/0.95 1.800/1.80
$500-9,999 0.100/0.10 0.150/0.15 0.549/0.55 0.399/0.40 1.851.85 0.850/0.85 N/A/N/A 0.896/0.90 1.750/1.75
Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate.  APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available.  


 
Individual Retirement Accounts
Type Minimum Balance Annual Dividend Rate Annual Percentage Yield (APY) Subject to Change
Traditional $0.00 0.100% 0.10% Quarterly
Roth Club $0.00 0.100% 0.10% Quarterly
Education Club $0.00 0.100% 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)
18 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
36 Months
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.300/0.30 0.698/0.70 0.549/0.55 1.490/1.50 1.000/1.00 0.797/0.80 1.045/1.05 1.900/1.90
$50,000-99,999 0.250/0.25 0.648/0.65 0.499/0.50 1.440/1.45 0.950/0.95 0.747/0.75 0.995/1.00 1.850/1.85
$10,000-49,999 0.200/0.20 0.598/0.60 0.449/0.45 1.391/1.40 0.900/0.90 0.698/0.70 0.946/0.95 1.800/1.80
$500-9,999 0.150/0.15 0.549/0.55 0.399/0.40 1.342/1.35 0.850/0.85 NA/NA 0.896/0.90 1.750/1.75
Dividends calculated daily, compounded/posted monthly.  ADR is Annual Dividend Rate.  APY is Annual Percentage Yield. Other rates and terms are available.


 
ROTH IRA Certificates
Minimum to Open 6 Months
(ADR/APY)
12 Months
(ADR/APY)
13 Months1
(ADR/APY)
18 Months2
(ADR/APY)
24 Months
(ADR/APY)
25 Months3
(ADR/APY)
60 Months4
(ADR/APY)
Jumbo Certificate $100,000+ 0.300/0.30 0.698/0.70 0.549/0.55 1.490/1.50 1.000/1.00 0.797/0.80 1.900/1.90
$50,000-99,999 0.250/0.25 0.648/0.65 0.499/0.50 1.440/1.45 0.950/0.95 0.747/0.75 1.850/1.85
$10,000-49,999 0.200/0.20 0.598/0.60 0.449/0.45 1.391/1.40 0.900/0.90 0.698/0.70 1.800/1.80
$500-9,999 0.150/0.15 0.549/0.55 0.399/0.40 1.342/1.35 0.850/0.85 NA/NA 1.750/1.75
Dividends calculated daily, compounded/posted monthly.  ADR is Annual Dividend Rate.  APY is Annual Percentage Yield. Other rates and terms are available.


 
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+ 0.300/0.30 0.698/0.70 0.549/0.55 1.00/1.00 0.797/0.80
$50,000-99,999 0.250/0.25 0.648/0.65 0.499/0.50 0.950/0.95 0.747/0.75
$10,000-49,999 0.200/0.20 0.598/0.60 0.449/0.45 0.900/0.90 0.698/0.70
$500-9,999 0.150/0.15 0.549/0.55 0.399/0.40 0.850/0.85 NA/NA
Dividends calculated daily, compounded/posted monthly.  ADR is Annual Dividend Rate.  APY is Annual Percentage Yield.

1 - 13 Month Select Rate Certificate rate may be changed once after 6 months at member's request.
2 - 18 Month Select Rate Certificate is not eligibel for relationship pricing.
3 - 25 Month Select Rate Certificate rate may be changed once after 12 months at member's request.
4 - 60 Month certificate rate is a fixed rate.

  Open Account