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Deposit Rates
Share Accounts
| Type | Avg Daily Balance Minimum Required for Dividend |
Dividend Rate | APY** |
|---|---|---|---|
| Regular | $20.00 | 0.400% | 0.400% |
| Escrow | $20.00 | 0.400% | 0.400% |
| Checking | $0.01 | 0.100% | 0.100% |
| IRA | $5.00 | 0.400% | 0.400% |
| Roth IRA | $5.00 | 0.400% | 0.400% |
| Christmas Club | $20.00 | 0.400% | 0.400% |
| Vacation Club | $20.00 | 0.400% | 0.400% |
Share rates are anticipated each quarter and are subject to revision by the Board of Directors.
Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period.
**APY = Annual Percentage Yield
Certificates
| Type | Term | Dividend Rate | APY** |
|---|---|---|---|
| Share Certificate | 6 Months | 3.796% | 3.85% |
| 1 Year | 3.941% | 4.00% | |
| 2 Years | 3.698% | 3.75% | |
| 3 Years | 3.455% | 3.50% | |
| 4 Years | 3.260% | 3.30% | |
| 5 Years | 3.309% | 3.35% |
| Type | Term | Dividend Rate | APY** |
|---|---|---|---|
| IRA Certificate (Traditional or Roth) |
6 Months | 3.796% | 3.85% |
| 1 Year | 3.941% | 4.00% | |
| 2 Years | 3.698% | 3.75% | |
| 3 Years | 3.455% | 3.50% | |
| 4 Years | 3.260% | 3.30% | |
| 5 Years | 3.309% | 3.35% |
$500 minimum deposit
Early Withdrawal penalty: For 6 mo and 1 year Certificate is 30 days of dividends earned or all dividends earned, whichever is least.
Early Withdrawal penalty: For 2-5 year Certificates is 90 days dividends or all dividends earned, whichever is least.
**APY = Annual Percentage Yield