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Rates Effective 1/1/2021

Share Accounts

TypeAvg Daily Balance-Minimum
Required for Dividend
Dividend RateAPY**
Regular$20.000.100%0.100%
Escrow$20.000.100%0.100%
Checking$0.010.050%0.050%
IRA$5.000.100%0.100%
Roth IRA$5.000.100%0.100%
Christmas Club$20.000.100%0.100%

 

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 months0.350%0.350%
1 Year0.399%0.400%
2 Years0.449%0.450%
3 Years0.499%0.500%
4 Years0.549%0.550%
5 Years0.599%0.600%

TypeTermDividend RateAPY**
IRA Certificate

(Traditional or Roth)
6 months0.350%0.350%
1 Year0.399%0.400%
2 Years0.449%0.450%
3 Years0.499%0.500%
4 Years0.549%0.550%
5 Years0.599%0.600%

* $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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