Dividend Rates

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Account Rates

Effective January 1, 2021

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	0.05%	0.05%
Vacation Club*	None	0.05%	0.05%
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 January 1, 2021

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	0.50%	0.50%
Share Certificate*	18 Months	0.55%	0.55%
Share Certificate*	24 Months	0.60%	0.60%
Share Certificate*	36 Months	0.65%	0.65%
Share Certificate*	48 Months	0.70%	0.70%
Share Certificate*	60 Months	0.80%	0.80%
Junior Saver Certificate*	12 Months	0.60%	0.60%
IRA Certificate*	12 Months	0.60%	0.60%
IRA Certificate*	18 Months	0.55%	0.55%
IRA Certificate*	24 Months	0.60%	0.60%
IRA Certificate*	36 Months	0.65%	0.65%
IRA Certificate*	48 Months	0.70%	0.70%
IRA Certificate*	60 Months	0.80%	0.80%