Savings Rates

The Dividends stated below are as of April 1, 2017 and are subject to change. Minimum balances indicated are required to earn Annual Percentage Yield. Applicable fees may reduce earnings on the accounts.

Dividend Type Annual Dividend
Rate
Annual Percentage
Yield (APY)
Dividend Calculation Method: Average Daily Balance, Compounded Monthly
Regular Share/Savings (minimum balance $5)
$5 and up .10% .10%
Money Market (minimum balance $500)
$500-$2,000 .10% .10%
$2,001-$20,000 .15% .15%
Over $20,000 .25% .25%
IRA Share Savings (Traditional, Roth or Coverdell Education Savings Accounts)
.25% .25%
Basic Checking
0% 0%
Reward Checking
$0-$20,000 with Basic Requirements* 3.0% 3.04%*
Balance above $20,000 with Basic Requirements* .20% .20%*
* Basic Requirements PER MONTH: 20 Debit Card transactions, one Direct Deposit, receive eStatements and use of Internet/Mobile Home Banking. If requirements are not met each month, the APY is .05%.
Share Certificates** (minimum balance $500)
6 month certificate .50% .50%
1 year certificate .70% .70%
2 year certificate 1.10% 1.10%
3 year certificate 1.40% 1.40%
4 year  certificate 1.70% 1.71%
**Certificates can be opened for Individual Retirement Accounts and Coverdell Education Savings Accounts. A penalty may be imposed for early withdrawal.

Click to view Share Account Truth in Savings Disclosure.