Deposit Rates
effective Novmeber 1, 2018
min bal to
earn dividends
compound
method
APY
as high as

Savings Accounts 

Regular Savings (S1)
$100 10.20%
Minor Savings (S5, S6)
$100

10.20%
Super Savings (S21)

$25,000 10.42%
$10,000 10.31%
$2,500

10.25%
Christmas Club Savings (S18)
$0.01 10.20%
Other Club Savings (S17)
$0.01

10.20%

Checking Accounts 

Classic Checking (S11)
$3,500 10.20%

$0.01

10.15%
Simply FREE Checking (S13)
N/A

1N/A
Smart Start Checking
N/A1
N/A

Share Certificates 

4 Years (48 Months)
$45,001 43.24%

$25,00143.14%

$5,00143.03%

$500

42.93%
3 Years (36 Months)
$45,00142.98%

$25,00142.88%

$5,00142.78%

$500

42.68%
2 Year (24 Months)
$45,00142.74%

$25,00142.63%

$5,00142.53%

$500

42.43%
1 Years (12 Months)
$45,00142.48%

$25,00142.38%

$5,00142.28%

$500

42.17%
6 Months
$45,00131.21%

$25,00131.11%

$5,00131.01%

$500

30.90%
3 Months
$45,001 21.21%

$25,00121.11%

$5,00121.01%

$500

20.90%

IRA (Individual Retirement Accounts)

5 Years (60 Months)
$500 53.29%
4 Years (48 Months)
$500 53.03%
3 Years (36 Months)
$500 52.78%
2 Years (24 Months)
$500 52.52%
1 Year (12 Months)
$500

52.27%
Variable
N/A 10.50%



APY is annual percentage yield. Rates subject to change.

CMP is Compounding Method:
  1. Calculated daily, paid quarterly
  2. Calculated daily, paid at maturity
  3. Calculated daily, paid at maturity, or monthly and transferred to savings or checking account
  4. Calculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate
  5. Calculated daily, paid quarterly to certificate
Effect of Early Withdrawals from Certificates:
  • Early withdrawal on all share certificates with a maturity date 1 year and less will result in loss of dividends for 90 days or all dividends earned, whichever is less.  
  • Early withdrawal for share certificates with a maturity date over 1 year will result in loss of dividends for 180 days or all dividends earned, whichever is less. 
Super Savings Accounts:
  • Minimum balance of $2,500 is required to open a Super Savings Account. Dividends are earned on all balances.
  • Deposits must be made in increments of $250 or more and withdrawals must be made in increments of $500 or more. 
Christmas Club Accounts:
  • Christmas Club Account balances are automatically transferred to your savings account on November 1st each year.  
  • Fee applies to early withdrawals from Christmas Club Accounts





 

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