Our Current Rates

Savings Accounts
Effective Date: 12/1/2022
The third quarter dividend period paid a dividend rate of 0.25% and an APY of 0.25%.
TypeDividend RateAPY*
Regular Shares
($5.00 minimum balance)
0.25% 0.25%
Christmas Club (balance $0.01 - $2500) Regular Share Rate plus 1%  
Christmas Club (balance $2500.01 & greater) 0.25% 0.25%
Health Savings Account (HSA)** 0.25% 0.25%
**No minimum balance required. Dividends computed on the average daily balance and paid monthly.

Money Market Accounts
Effective Date: 12/1/2022
BalanceDividend RateAPY*
$2500 - $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $49,999.99 0.60% 0.60%
$50,000 or greater 0.70% 0.70%

IRA Accounts
Effective Date: 12/1/2022
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 1.98% 2.00%
24 months $1,000.00 3.44% 3.50%
36 months $1,000.00 4.16% 4.25%
48 months $1,000.00 2.57% 2.60%
60 months $1,000.00 2.76% 2.80%
Coverdell Educational IRA Savings Certificate Account (Fixed Interest & Maturity Date)
12 months $500.00 1.98% 2.00%
24 months $500.00 3.44% 3.50%
36 months $500.00 4.16% 4.25%
48 months $500.00 2.57% 2.60%
60 months $500.00 2.76% 2.80%

Term Share Certificates
Effective Date: 12/1/2022
$500 Minimum balance
TermDividend RateAPY*
91 Days 1.00% 1.00%
182 Days 1.74% 1.75%
1 Year 1.98% 2.00%
2 Years 2.18% 2.20%
3 Years 2.52% 2.55%
4 Years 2.57% 2.60%
5 Years 2.76% 2.80%
Teen Term Share Certificate ($250 minimum) 1.98% 2.00%
15-Month (Limited Time Offer) 3.44% 3.50%
31-Month (Limited Time Offer) 4.16% 4.25%

Jumbo Share Certificates
Effective Date: 12/1/2022
Minimum deposit of $100,000.00. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date.
TermDividend RateAPY*
1 Year 2.08% 2.10%
2 Years 2.28% 2.30%
3 Years 2.62% 2.65%
4 Years 2.67% 2.70%
5 Years 2.86% 2.90%

*APY = Annual Percentage Yield.

**All rates subject to change.

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