Dividend Rates

 Checking / Saving  |  Money Market / Holiday Club / Vacation Club/Back-to-School  |  Term Certificate  |  IRA   

Checking/Savings

Account Type Dividend Rate APY Minimum Balance
Savings 0.15% 0.15% minimum balance $25 - compounding daily
Checking 0.00% 0.00% no minimum balance - compounding daily
Value Plan* 0.00% 0.00% no minimum balance
Value Plan Plus** 0.10% 0.10% $1,000 - $1,999 balance - compounding daily
  0.20% 0.20% $2,000 and above - compounding daily

APY=Annual Percentage Yield
*$5 monthly maintenance fee without Direct Deposit or Payroll Deduction
**$10 monthly fee on balances below $1,000 + no dividend earned for that period

Money Market/Club Accounts

Account Type Dividend Rate APY Minimum Balance (minimum balance is $1,500 for Money Market Accounts)
Money Market 0.15% 0.15% Balances $1,500-$9,999--compounds monthly
Money Market 0.20% 0.20% Balances $10,000-$24,999--compounds monthly
Money Market 0.30% 0.30% Balances $25,000-$39,999--compounds monthly
Money Market 0.30% 0.30% Balances $40,000-$74,999--compounds monthly
Money Market 0.35% 0.35% Balances $75,000 and above--compounds monthly
Holiday Club 0.25% 0.25% No minimum balance--compounds daily. Funds disbursed in November
Vacation Club 0.25% 0.25% No minimum balance--compounds daily. Funds disbursed in May.
Back-to-School Club 0.25% 0.25% No minimum balance--compounds daily. Funds disbursed in August.

APY = Annual Percentage Yield

Term Certificates

Only $500 minimum deposit required.

Account Type   Rate APY
3 months Paid Monthly 0.25% 0.25%
6 months Paid Monthly 0.30% 0.30%
12 months Paid Monthly 0.50% 0.50%
18 months Paid Monthly 0.70% 0.70%
24 months Paid Monthly 0.95% 0.95%
30 months Paid Monthly 1.00% 1.01%
36 months Paid Monthly 1.00% 1.01%
48 months Paid Monthly 1.20% 1.21%
60 months Paid Monthly 1.45% 1.46%

APY = Annual Percentage Yield

IRA (Traditional, Roth, Coverdell Education Savings Account**)

Only $500 minimum deposit required.

Account Type   Rate APY
6 months Paid Monthly 0.35% 0.35%
12 months Paid Monthly 0.55% 0.55%
18 months Paid Monthly 0.75% 0.75%
24 months Paid Monthly 1.00% 1.01%
30 months Paid Monthly 1.05% 1.06%
36 months Paid Monthly 1.05% 1.06%
48 months Paid Monthly 1.25% 1.26%
60 months Paid Monthly 1.50% 1.51%
Share IRA Paid Monthly 0.25% 0.25%
Roth IRA Paid Monthly 0.25% 0.25%

APY = Annual Percentage Yield
**2 1/2 yr term not available for Education IRAs.
All dividend and interest rates are subject to change without notice.