Dividend Rates

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Account Rates

Effective September 1, 2020

APY is Annual Percentage Yield. Rates subject to change. Please call for most current updates. *Dividend period Quarterly **Dividend period Monthly ***Dividend period Monthly / If less than $1,000 minimum, APY = current Checking Rate & subject to monthly fee.
Account Type Minimum Balance Dividend Rate APY
Savings* $5.00 0.05% 0.05%
Checking** None 0.05% 0.05%
Christmas Club* None 0.10% 0.10%
Vacation Club* None 0.10% 0.10%
Money Market*** $1,000.00 - $25,000.00 0.10% 0.10%
Money Market*** $25,000.01 - $75,000.00 0.20% 0.20%
Money Market*** $75,000.01 + 0.35% 0.35%

Certificate Rates

Effective September 1, 2020

APY is Annual Percentage Yield. Rates subject to change. Please call for most current updates. *Dividend period Quarterly. Share certificates require a $500 minimum deposit and opening balance. Deposits of $500 or more may be added to 3-18 month certificates only. Junior Certificates require a $100 minimum deposit and opening balance. A one-time rate adjustment can be requested during the term of any certificate. The maturity of the certificate will not be affected. Seniors (age 55 and older) receive an additional .15% APR to the rates listed above for share and IRA certificates.
Account Type Term Dividend Rate APY
Share Certificate* 3 Months 0.10% 0.10%
Share Certificate* 6 Months 0.15% 0.15%
Share Certificate* 12 Months 0.60% 0.60%
Share Certificate* 18 Months 0.65% 0.65%
Share Certificate* 24 Months 0.70% 0.70%
Share Certificate* 36 Months 0.75% 0.75%
Share Certificate* 48 Months 0.80% 0.80%
Share Certificate* 60 Months 0.90% 0.90%
Junior Saver Certificate* 12 Months 0.60% 0.60%
IRA Certificate* 12 Months 0.60% 0.60%
IRA Certificate* 18 Months 0.65% 0.65%
IRA Certificate* 24 Months 0.70% 0.70%
IRA Certificate* 36 Months 0.75% 0.75%
IRA Certificate* 48 Months 0.80% 0.80%
IRA Certificate* 60 Months 0.90% 0.90%