Deposit Rates

Effective 4/22/2024

Primary Savings
minimum to open: $5.00 minimum to earn dividends: $5.00
BalanceRateAPY**
All balances 0.05% 0.05%

Special Savings, Holiday Savings and IRA Savings
minimum to open: $5.00 minimum to earn dividends: none
BalanceRateAPY**
All balances 0.20% 0.20%

Classic Checking and Business Checking
minimum to open: $10.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $24,999 0.00% 0.00%
$25,000 and over 0.05% 0.05%

Traditional Money Market Savings and IRA Money Market Savings
minimum to open: $1,000.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.24% 1.25%
$25,000 - $49,999.99 1.49% 1.50%
$50,000 - $99,999.99 1.59% 1.60%
$100,000 - $250,000 1.98% 2.00%
$250,000 and over 2.47% 2.50%

High-Yield Money Market Savings
TypeBalanceRateAPY**
Money Market Plus $250,000 - $499,999.99 2.72% 2.75%

Minimum to open and earn dividends: $250,000

Money Market Premium $500,000 - $999,999.99 3.45% 3.50%

Minimum to open and earn dividends: $500,000

Money Market Premier $1,000,000 - $1,999,999.99 4.41% 4.50%

Minimum to open and earn dividends: $1,000,000

Money Market Platinum $2,000,000+ 5.03% 5.15%

Minimum to open and earn dividends: $2,000,000

Share Certificates and IRA Certificates
minimum to open: $500.00 minimum to earn dividends: $500.00
TermRateAPY**
6 month 4.75% 4.85%
12 month 4.70% 4.80%
24 month 4.36% 4.45%
36 month 3.64% 3.70%
48 month 3.49% 3.55%
60 month 3.40% 3.45%

**APY= Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details. 

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