Savings Rates

Rates effective as of 6/8/2015. Rates subject to change.

Regular Share Savings
No minimum balance required. Dividends accrue daily and are paid monthly. On balances under $100, a semi-annual dormancy fee of $50 applies after 365 consecutive days of no activity.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
< 50,000 .05% .05%
> 50,000 .10% .10%

Share Certificate
$1,000 minimum balance required and additional deposits are not allowed. Dividends accrue daily and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
3 months 0.15% 0.15%
6 months 0.25% 0.25%
12 months 0.50% 0.50%
18 months 0.65% 0.65%
24 months 0.80% 0.80%
36 months 0.95% 0.95%
48 months 1.10% 1.11%
60 months 1.40% 1.41%

IRA Share Savings
No minimum balance required. Dividends accrue daily and are paid monthly.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
< 50,000 .05% .05%
> 50,000 .10% .10%

IRA Share Certificate
$1,000 minimum balance required and additional deposits of current or prior year contributions only are allowed. Dividends accrue daily and are paid monthly. Early redemption penalty of 90 days loss of dividends on the amount withdrawn.

Term Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
3 months 0.15% 0.15%
6 months 0.25% 0.25%
12 months 0.50% 0.50%
18 months 0.65% 0.65%
24 months 0.80% 0.80%
36 months 0.95% 0.95%
48 months 1.10% 1.11%
60 months 1.40% 1.41%

Money Market Accounts
$1,000 minimum balance required. Dividends accrue daily and are paid monthly. $20 fee for each transaction over 5 per month; $20 fee per day for balances less than $1,000.

Tier Range Dividend Rate APY (Annual Percentage Yield)
Applicable fees could reduce earnings
1,000 – 20,000 .15% .15%
20,001 – 50,000 .30% .30%
50,001 – 75,000 .40% .40%
> 75,000 .50% .50%