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 0.20% 0.20% 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** 0.20% 0.20% $1,000 - $1,999 balance - compounding daily
  0.40% 0.40% $2,000 and above - compounding daily

APY=Annual Percentage Yield
*$5 monthly maintenance fee without Direct Deposit or Payroll Deduction
**$6 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 0.35% 0.35% Balances $1,500-$9,999--compounds monthly
Money Market 0.45% 0.45% Balances $10,000-$24,999--compounds monthly
Money Market 0.55% 0.55% Balances $25,000-$39,999--compounds monthly
Money Market 0.65% 0.65% Balances $40,000-$74,999--compounds monthly
Money Market 0.80% 0.80% Balances $75,000 and above--compounds monthly
Holiday Club 0.40% 0.40% No minimum balance--compounds daily. Funds disbursed in November
Vacation Club 0.40% 0.40% No minimum balance--compounds daily. Funds disbursed in May.
Back-to-School Club 0.40% 0.40% 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 0.35% 0.35%
6 months Paid Monthly 0.45% 0.45%
12 months Paid Monthly .90% .90%
18 months Paid Monthly 1.10% 1.11%
24 months Paid Monthly 1.30% 1.31%
30 months Paid Monthly 1.30% 1.31%
36 months Paid Monthly 1.90% 1.92%
48 months Paid Monthly 2.10% 2.12%
60 months Paid Monthly 2.25% 2.27%

APY = Annual Percentage Yield

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

Only $500 minimum deposit required.

Account Type   Rate APY
6 months Paid Monthly .50% .50%
12 months Paid Monthly .95% .95%
18 months Paid Monthly 1.15% 1.16%
24 months Paid Monthly 1.35% 1.36%
30 months Paid Monthly 1.35% 1.36%
36 months Paid Monthly 1.95% 1.97%
48 months Paid Monthly 2.15% 2.17%
60 months Paid Monthly 2.30% 2.32%
Share IRA Paid Monthly 0.40% 0.40%
Roth IRA Paid Monthly 0.40% 0.40%

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.