Our Current Rates
Savings Accounts
Effective Date: 10/30/2025
The fourth quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%.
| Type | Dividend Rate | APY* |
|---|---|---|
| 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: 10/30/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2500 - $9,999.99 | 1.79% | 1.80% |
| $10,000 - $24,999.99 | 1.93% | 1.95% |
| $25,000 - $49,999.99 | 2.08% | 2.10% |
| $50,000- $99,999.99 | 2.23% | 2.25% |
| $100,000 or greater | 2.47% | 2.50% |
IRA Accounts
Effective Date: 10/30/2025
| Term | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| 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 | 3.93% | 4.00% |
| 24 months | $1,000.00 | 3.06% | 3.10% |
| 36 months | $1,000.00 | 3.30% | 3.35% |
| 48 months | $1,000.00 | 3.45% | 3.50% |
| 60 months | $1,000.00 | 3.69% | 3.75% |
| Coverdell Educational IRA Savings Certificate Account (Fixed Interest & Maturity Date) | |||
| 12 months | $500.00 | 3.93% | 4.00% |
| 24 months | $500.00 | 3.06% | 3.10% |
| 36 months | $500.00 | 3.30% | 3.35% |
| 48 months | $500.00 | 3.45% | 3.50% |
| 60 months | $500.00 | 3.69% | 3.75% |
Term Share Certificates
Effective Date: 10/30/2025
$500 Minimum balance
| Term | Dividend Rate | APY* |
|---|---|---|
| 91 Days | 1.39% | 1.40% |
| 182 Days | 4.02% | 4.10% |
| 1 Year | 3.93% | 4.00% |
| 2 Years | 3.06% | 3.10% |
| 3 Years | 3.30% | 3.35% |
| 4 Years | 3.45% | 3.50% |
| 5 Years | 3.69% | 3.75% |
| Teen Term Share Certificate ($250 minimum) | 3.93% | 4.00% |
Jumbo Share Certificates
Effective Date: 10/30/2025
Minimum deposit of $100,000.00. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date.
| Term | Dividend Rate | APY* |
|---|---|---|
| 1 Year | 4.02% | 4.10% |
| 2 Years | 3.15% | 3.20% |
| 3 Years | 3.40% | 3.45% |
| 4 Years | 3.54% | 3.60% |
| 5 Years | 3.78% | 3.85% |
*APY = Annual Percentage Yield.
**All rates subject to change.