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Deposit Rates

savingsandinvestments

Your deposits are insured up to $500,000. Click here to find out more.

Rates effective as of February 1, 2023. Rates are subject to change at any time without notice.

Investment Rates / Checking / Savings

Investment Accounts
Certificate of Deposit
IRA & Regular		TermRegular < $50k
APR* | APY*		Jumbo > $50k
APR* | APY*
6 Months1.00% | 1.00%1.10% | 1.10%
(Save to Win)1 Year2.00% | 2.01%2.20% | 2.22%
2 Years3.00% | 3.04%3.20% | 3.25%
3 Years3.25% | 3.30%3.30% | 3.35%
4 Years3.35% | 3.40%3.40% | 3.45%
5 Years3.50% | 3.56%3.55% | 3.61%
 
TermMinimum
Opening Deposit		APR* | APY*
Traditional IRA SavingsNo Term$5.002.00% | 2.01%
Roth IRA SavingsNo Term$5.002.00% | 2.01%
 
Checking Accounts
CheckingMinimum
Opening Deposit		APR* | APY*
$2,000 and up$50.000.25% | 0.25%
 
Money Market CheckingMinimum
Opening Deposit		APR* | APY*
$2,000 - $9,999.99$2,000.001.00% | 1.00%
$10,000.00 - $49,999.99$2,000.002.00% | 2.01%
$50,000 and up$2,000.003.00% | 3.04%
 
Savings Accounts
SavingsTermMinimum
Opening Deposit		APR* | APY*
$100.00 - $499.99$5.000.25% | 0.25%
$500.00 - $4,999.99$5.000.50% | 0.50%
$5,000 and up$5.001.00% | 1.00%
Youth SavingsNo Term$5.001.00% | 1.00%
Christmas Club SavingsNo Term$5.001.00% | 1.00%
College Savings
$500 and up		$5.001.00% | 1.00%
 

APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. The minimum balance required to open and earn dividends for certificates is $2,000 for Regular, $500 for IRA, and $25 for Save to Win. Regular and IRA certificates earn and pay dividends MONTHLY and Save to Win earn and pay dividends ANNUALLY. Early withdrawal penalties may apply. Some dividends may roll over or be paid monthly to shares or checking, have it your way. Savings accounts pay dividends QUARTERLY. A Jumbo CD is $50,000+. All accounts federally insured to at least $250,000 by NCUA, a government agency. With private insurance from Excess Share Insurance Corporation (ESI) we can now guarantee insurance protection for up to $500,000. Rates may change at any time. The early withdrawal penalty for certificates of deposit is the greater of $25.00, or 50% of the dividends that would have been earned on the amount withdrawn (over the remainder of the certificate’s term).

***For more information on Save to Win, click here.

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