Savings Rates

APY = Annual Percentage Rate

Share Draft Checking

Account	APY	Dividend Rate
$1,000 minimum balance required to obtain the .05 APY No minimum balance requirements.	0.05%	0.05%

Savings Rates

Account	APY	Dividend Rate
Primary Shares	0.05%	0.05%
Youth Accounts	0.05%	0.05%
Holiday/Vacation Club	0.05%	0.05%
IRA Accumulator	0.10%	0.10%
Health Savings Account	0.10%	0.10%
Auxiliary Savings	0.05%	0.05%

$500 minimum balance required to obtain the posted dividend in all saving accounts except Youth, Holiday & Vacation. $25 minimum balance requirement for Primary Shares and Youth Accounts.  No minimum balance requirements for Holiday, Vacation, IRA Accumulator, Health Savings and Auxiliary Savings Accounts.  $25 fee charged for early withdrawal or account closure of Holiday or Vacation Accounts. 

Money Market Rates*

Dollar Amount	APY	Dividend Rate
$5,000.00 - $49,999.99	0.10%	0.10%
$50,000.00 - $99,999.99	0.15%	0.15%
$100,000.00 - $149,999.99	0.20%	0.20%
$150,000.00 - $199,999.99	0.25%	0.25%
$200,000.00 and higher	0.35%	0.35%

* $5,000 Minimum balance requirement to open a Money Market Account and to earn dividends. $10 fee if balance falls below $5,000 in any given month.
All rates are variable and may change after the account is opened.

Term Share Certificates & IRA Certificates

Time Period	APY	Dividend Rate
3 Months	0.10%	0.10%
6 Months	0.10%	0.10%
7 Months Certiflex*	0.15%	0.15%
9 Months	0.15%	0.15%
12 Months	0.25%	0.25%
18 Months	0.40%	0.40%
2 Years	0.50%	0.50%
3 Years	0.55%	0.55%
4 Years	0.65%	0.65%
5 Years	0.70%	0.70%

$500 minimum balance required to open an account and to earn posted dividend on all certificates.  

Early withdrawal penalties may be imposed for withdrawal before maturity on all certificates.

For any Term Share Certificate account, the penalty we may impose for early withdrawal will equal six months (180 days) dividends on the amount withdrawn subject to penalty.  An early withdrawal penalty may reduce the amount of the principal balance of the account.

* 7 Month Certiflex allows deposits of $100 or greater any time & one penalty-free withdrawal of $500 or greater per month.

Jumbo Certificates

Amount	Term	APY
$100,000 minimum deposit	terms of two years or more	.15 added to Term Share & IRA Certificate rates

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

APY = Annual Percentage Yield
Rates Updated January 4, 2021.
Your savings are now federally insured to at least $250,000 by the NCUA.
Fees may reduce account earnings.