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has an original maturity of six or twelve months: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to the penalty.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maturity of 24, 36, 48, or 60 months: The penalty we may impose will be equal to six months dividends on the amount withdrawn subject to penalty.