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Savings Rates

Start your savings journey  with rates that bring joy.


Published rates are subject to change at any time without prior notice. Fees, if any, may reduce earnings. Other terms and conditions may apply.

Savings Account, Club Rates and Money Manager Account - Average daily balance is used to determine Savings rates tiers.
Effective Date: May 17, 2025
Average Daily balance is used to determine savings/share rate tiers.

Account Type Annual Percentage Rate (APR) Annual Percentage Yield (APY)
Special Savings Account
Dividends are compounded daily and credited monthly.		 0.02% 0.02%
Lucky 13 Club Account
Dividends are compounded daily and paid monthly.		 0.70% 0.70%
Christmas Club
Dividends are compounded daily and credited monthly.
 0.02% 0.02%
Youth Savings Account
Dividends are compounded daily and credited monthly.
 0.02% 0.02%
IRA Savings Account
Dividends are compounded daily and credited monthly.
 0.02% 0.02%
Effective Date: May 17, 2025
Dividends are compounded daily and paid monthly.

Minimum Balance of Dividend Rate Annual Percentage Yield (APY)
Less than $1,000 0.02% 0.02%
$1,000 0.05% 0.05%
$10,000 0.10% 0.10%
$25,000 0.25% 0.25%
$50,000 0.35% 0.35%
$100,000 0.60% 0.60%
$250,000 1.20% 1.21%
Effective Date: May 17, 2025
All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required; a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly..


*APY = Annual Percentage Yield. Rate is fixed for term of certificate but may adjust at maturity. Minimum deposit of $50 and funds may be added up to $25,000 total to the sum of all 1 Year add-on certificates per member per year. Penalties may be imposed for early withdrawal; fees may reduce earnings. Rates are subject to change without notice. The APY is accurate as of July 1, 2023.

 


Length of Certificate Dividend Rate Annual Percentage Yield (APY)
12 months add on* 3.00% 3.05%
3 months 0.14% 0.14%
6 months 0.23% 0.23%
Youth 6 months
A minimum deposit of $25.00 is required.		 0.99% 1.00%
12 months 0.41% 0.41%
18 months 0.46% 0.46%
24 months 0.50% 0.50%
30 months 0.60% 0.60%
36 months 0.65% 0.65%
48 months 0.85% 0.85%
60 months 1.00% 1.01%

Grow Your Savings !


We offer term savings certificates designed to help you reach your financial goals. Whether you’re planning for the future or building a safety net, our certificates provide a secure way to grow your savings.