Savings Rates and Terms

Rates and terms quoted below are subject to change without notice and are effective as of 5/17/2021

SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.030% 0.03%
eSavings ` $5 0.030% 0.03%
Club Account ^ *** $5 0.030% 0.03%
CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.00% 0.00%
eChecking ` ^^ $25 0.030% 0.03%
Premier Checking ` $2,000 0.030% 0.03%
Right Start Checking $25 0.00% 0.00%
MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.100% 0.10%
$50,000 - $99,999 0.100% 0.10%
$10,000 - $49,999 0.100% 0.10%
$2,500 - $9,999 0.100% 0.10%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 1.000% 1.00% 1.000% 1.00% 1.000% 1.00%
48-Month 0.850% 0.85% 0.850% 0.85% 0.850% 0.85%
36-Month 0.750% 0.75% 0.750% 0.75% 0.750% 0.75%
24-Month 0.650% 0.65% 0.650% 0.65% 0.650% 0.65%
12-Month 0.500% 0.50% 0.500% 0.50% 0.500% 0.50%
6-Month 0.250% 0.25% 0.250% 0.25% 0.250% 0.25%
3-Month 0.150% 0.15% 0.150% 0.15% 0.150% 0.15%
IRAS *** (Traditional, Roth and Coverdell) $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month Fixed 1.000% 1.00% 1.000% 1.00% 1.000% 1.00%
48-Month Fixed 0.850% 0.85% 0.850% 0.85% 0.850% 0.85%
36-Month Variable 0.320% 0.32% 0.320% 0.32% 0.320% 0.32%
36-Month Fixed 0.750% 0.75% 0.750% 0.75% 0.750% 0.75%
24-Month Fixed 0.650% 0.65% 0.650% 0.65% 0.650% 0.65%
18-Month Variable 0.230% 0.23% 0.230% 0.23% 0.230% 0.23%
12-Month Fixed 0.500% 0.50% 0.500% 0.50% 0.500% 0.50%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.100% 0.10%
* APY = Annual Percentage Yield
` Fees may reduce earnings on account.
^ Funds automatically transferred to Primary Savings account upon maturity; Dividends compounded monthly.
^^ Average daily balance to earn dividends is $1,000. Dividends paid monthly. Please refer to our "Truth In Savings and Electronic Services Disclosure and Agreement" for specific details about any account.
** Balances less than $2,500 will earn Regular Savings rate.
*** Substantial penalty for early withdrawal. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure.
^^^ Minimum average daily balance required to earn dividends is $200. Dividends compounded and paid monthly.
‡ IRA= Individual Retirement Account. IRA Certificates may have IRS-imposed contribution limits and tax implications, especially for premature distributions. Consult a tax advisor to determine what applies to your individual situation.
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