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Rates Effective 7/1/2019

Share Accounts

TypeAvg Daily Balance-Minimum
Required for Dividend
Dividend RateAPY**
Regular$20.000.350%0.350%
Escrow$20.000.350%0.350%
Checking$.010.200%.0200%
IRA$5.000.350%0.350%
Roth IRA$5.000.350%0.350%
Christmas Club$20.000.350%0.350%

 

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

TypeTermDividend RateAPY**
Share Certificate6 months1.492%1.500%
1 Year2.231%2.250%
2 Years2.477%2.500%
3 Years2.624%2.650%
4 Years2.771%2.800%
5 Years2.967%3.000%

TypeTermDividend RateAPY**
IRA Certificate

(Traditional or Roth)
6 months1.492%1.500%
1 Year2.231%2.250%
2 Years2.477%2.500%
3 Years2.624%2.650%
4 Years2.771%2.800%
5 Years2.967%3.000%

* $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

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