Savings Rates

*Effective date 04/01/2018


regular share savings account

Annual Balance Range Dividend Rate* APY** Min. to Earn APY**
Over $5.00 .05% .05% $100.01
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

Holiday & Vacation Club Accounts

Annual Balance Range Dividend Rate APY** Min to Earn APY**
Over $5.00 .05% .05% $100.01
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

Money Market Accounts

Annual Balance Range Dividend Rate* APY**
$2,500 - 9,999 .05% .05%
$10,000 - 24,999 0.07% 0.07%
$25,000 - 49,999 0.10% 0.10%
Over $50,000 0.12% 0.12%
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

Term Share Certificate Rates

Term Dividend Rate APY**
6 months 0.10% 0.10%
12 months
(Super Saver)
0.10% 0.10%
12 months 0.15% 0.15%
24 months 0.20% 0.20%
36 months 0.35% 0.35%
48 months 0.45% 0.45%
60 months 0.65% 0.65%
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

Individual Retirement Accounts

Account Type Dividend Rate* APY**
Traditional .05% .05%
Roth 0.05% 0.05%
Educational 0.05% 0.05%
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

IRA Certificate Accounts (Traditional, Roth, Educational)

Term Dividend Rate APY**
6 months 0.10% 0.10%
12 months 0.15% 0.15%
24 months 0.20% 0.20%
36 months 0.35% 0.35%
48 months 0.45% 0.45%
60 months 0.65% 0.65%
*Dividends are compounded and credited quarterly
**APY=Annual Percentage Yield

* Rates are subject to change without notice. Rates may change at any time. Rates are fixed for the term of the certificate. Dividends are compounded and credited monthly.
** Early withdrawal penalties (a penalty may be imposed for early withdrawals before maturity)
*** If your account has an original maturity of six or twelve months: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to the penalty. If your account has an original maturity of 24, 36, 48, or 60 months: The penalty we may impose will be equal to six months dividends on the amount withdrawn subject to penalty.