Our Current Rates

Savings Accounts
Effective Date: 8/19/2022
The second 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: 8/19/2022
BalanceDividend RateAPY*
$2500 - $9,999.99 0.30% 0.30%
$10,000 - $24,999.99 0.35% 0.35%
$25,000 - $49,999.99 0.45% 0.45%
$50,000 or greater 0.55% 0.55%

IRA Accounts
Effective Date: 8/19/2022
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 0.99% 1.00%
24 months $1,000.00 1.19% 1.20%
36 months $1,000.00 1.29% 1.30%
48 months $1,000.00 1.39% 1.40%
60 months $1,000.00 1.54% 1.55%
Coverdell Educational IRA Savings Certificate Account (Fixed Interest & Maturity Date)
12 months $500.00 0.99% 1.00%
24 months $500.00 1.19% 1.20%
36 months $500.00 1.29% 1.30%
48 months $500.00 1.39% 1.40%
60 months $500.00 1.54% 1.55%

Term Share Certificates
Effective Date: 8/19/2022
$500 Minimum balance
TermDividend RateAPY*
91 Days 0.35% 0.35%
182 Days 0.80% 0.80%
1 Year 0.99% 1.00%
2 Years 1.19% 1.20%
3 Years 1.29% 1.30%
4 Years 1.39% 1.40%
5 Years 1.54% 1.55%
Teen Term Share Certificate ($250 minimum) 0.99% 1.00%

Jumbo Share Certificates
Effective Date: 8/19/2022
Minimum deposit of $100,000.00. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date.
TermDividend RateAPY*
1 Year 1.09% 1.10%
2 Years 1.19% 1.20%
3 Years 1.29% 1.30%
4 Years 1.39% 1.40%
5 Years 1.64% 1.65%

*APY = Annual Percentage Yield.

**All rates subject to change.

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