Our Current Rates

Savings Accounts
Effective Date: 3/30/2023
The fourth quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%.
TypeDividend RateAPY*
Regular Shares
($5.00 minimum balance)		 0.35% 0.35%
Christmas Club (balance $0.01 - $2500) Regular Share Rate plus 1%  
Christmas Club (balance $2500.01 & greater) 0.35% 0.35%
Health Savings Account (HSA)** 0.35% 0.35%
**No minimum balance required. Dividends computed on the average daily balance and paid monthly.

Money Market Accounts
Effective Date: 3/30/2023
BalanceDividend RateAPY*
$2500 - $9,999.99 0.60% 0.60%
$10,000 - $24,999.99 0.70% 0.70%
$25,000 - $49,999.99 0.80% 0.80%
$50,000 or greater 0.90% 0.90%

IRA Accounts
Effective Date: 3/30/2023
TermMinimum DepositDividend RateAPY*
Flexible Traditional, Roth & Coverdell Ed. Savings Account (Variable interest rate, may change monthly)
N/A N/A 0.50% 0.50%
Traditional & Roth IRA Savings Certificate Accounts (Fixed Interest & Maturity Date)
12 months $1,000.00 4.50% 4.60%
24 months $1,000.00 3.44% 3.50%
36 months $1,000.00 3.20% 3.25%
48 months $1,000.00 3.06% 3.10%
60 months $1,000.00 3.00% 3.05%
Coverdell Educational IRA Savings Certificate Account (Fixed Interest & Maturity Date)
12 months $500.00 4.50% 4.60%
24 months $500.00 3.44% 3.50%
36 months $500.00 3.20% 3.25%
48 months $500.00 3.06% 3.10%
60 months $500.00 3.00% 3.05%

Term Share Certificates
Effective Date: 3/30/2023
$500 Minimum balance
TermDividend RateAPY*
91 Days 1.00% 1.00%
182 Days 2.69% 3.00%
1 Year 4.50% 4.60%
2 Years 3.44% 3.50%
3 Years 3.20% 3.25%
4 Years 3.06% 3.10%
5 Years 3.00% 3.05%
Teen Term Share Certificate ($250 minimum) 4.50% 4.60%

Jumbo Share Certificates
Effective Date: 3/30/2023
Minimum deposit of $100,000.00. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date.
TermDividend RateAPY*
1 Year 4.60% 4.70%
2 Years 3.54% 3.60%
3 Years 3.30% 3.35%
4 Years 3.15% 3.20%
5 Years 3.10% 3.15%

*APY = Annual Percentage Yield.

**All rates subject to change.

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