Share/Certificate Rates
Rates Effective OCTOBER 15, 2025
| Account Type | Dvidend Rate | APY** |
|---|---|---|
| Regular Shares (Savings) (Paid Monthly) |
0.10% | 0.10% |
| Money Market Accounts - $1,000.00 to $9,999.99 (Paid Monthly) |
0.10% | 0.10% |
| Money Market Accounts - $10,000.00 and UP (Paid Monthly) |
0.15% | 0.15% |
| Share Draft (Checking) (Must maintain an average minimum monthly balance of $500.00 to earn interest) (Paid Monthly) |
0.01% | 0.01% |
| IRA (Individual Retirement Accounts) - NO MINIMUM (Paid Monthly) |
0.25% | 0.25% |
| Christmas/Vacation Clubs (Paid Monthly) |
0.15% | 0.15% |
Certificates
Minimum Deposit $500.00
| Term | Dividend Rate | APY** |
|---|---|---|
| 6 Month (Paid Monthly) | 3.95% | 4.02% |
| 12 Month (Paid Monthly) | 3.60% | 3.66% |
| 24 Month (Paid Monthly) | 3.65% | 3.71% |
| 36 Month (Paid Monthly) | 3.70% | 3.76% |
| 48 Month (Paid Monthly) | 3.75% | 3.82% |
| 60 Month (Paid Monthly) | 3.80% | 3.87% |
IRA Certificate* Rates
Minimum Deposit $500.00
| Term | Dividend Rate | APY** |
|---|---|---|
| 24 Month (Paid Monthly) | 3.65% | 3.71% |
| 36 Month (Paid Monthly) | 3.70% | 3.76% |
| 48 Month (Paid Monthly) | 3.75% | 3.82% |
| 60 Month (Paid Monthly) | 3.80% | 3.87% |
*Substantial penalty for early withdrawal
Rates Subject to Change Without Notice.
