Savings Rate
| Savings Type | Account Balance Needed To Earn Stated APY* | APY* |
|---|---|---|
| Regular Share Acct | $5.00 Minimum Balance | 0.05% |
| Value Plus Christmas Club | $0 Minimum Balance | 0.05% |
| Value Plus Vacation Club | $0 Minimum Balance | 0.05% |
APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
Fees could reduce the earnings on the account.
Rates current as of 5-3-2024.
Kids Savings Rates
| Savings Type | Account Balance Needed To Earn Stated APY* | APY* |
|---|---|---|
| Regular Share Acct | $5.00 Minimum Balance | 0.05% |
| Kickstart Kids Savings Acct¹ | $5.00 Minimum Balance | 4.06% |
APY*= Annual Percentage Yield
¹Rate based on amount in account. 4.06% APY will be paid for account balances up to $500.
Any amount over $500 with receive the Regular Savings Rate of .05% APY.
All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
Fees could reduce the earnings on the account.
Rates current as of 5-3-2024.
High Yield Savings Rates
| Savings Type | Account Balance Needed To Earn Stated APY* | APY* |
|---|---|---|
| High Yield Savings Balance | Less Than $1,000.00 | 0.05% |
| High Yield Savings Balance | $1,000.00 – $24,999.99 | 0.35% |
| High Yield Savings Balance | $25,000.00 – $99,999.99 | 0.45% |
| High Yield Savings Balance | $100,000.00 and Over | 0.55% |
APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
Fees could reduce the earnings on the account.
Rates current as of 5-3-2024.
Money Market Account Rates
| Savings Type | Account Balance Needed To Earn Stated APY* | APY* |
|---|---|---|
| Money Market Balance | Less Than $1,000.00 | 0.05% |
| Money Market Balance | $1,000.00 – $24,999.99 | 1.26% |
| Money Market Balance | $25,000.00 – $99,999.99 | 1.76% |
| Money Market Balance | $100,000.00 and Over | 2.02% |
APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
Fees could reduce the earnings on the account.
Rates current as of 5-3-2024.
Checking Rates
| Checking Type | Minimum Opening Deposit | APY* |
|---|---|---|
| Prestige Checking Acct** | $50.00 | 0.05% |
| Six Star Checking Acct*** | $50.00 | 0.75% |
APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Not all Share Draft Accounts earn dividends.
Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
**As of November 28, 2017, we will no longer offer Prestige Checking as a new account. All current Prestige Checking account holders, will be able to continue using their Prestige Checking account.
*** Rate based on amount in account and requirements given at time of account opening. Failure to meet monthly requirements results in rate drop to .05% APY. For a full list of requirements Click Here.
Rates current as of 5-3-2024.
Certificate Rates
| Certificate Type | Regular Certificate ($500 – $49,999.99) | Jumbo Certificate ($50,000 or more) |
|---|---|---|
| 3 Month Certificate (quarterly dividends) | 3.00% APY* | 3.00% APY* |
| 6 Month Certificate (monthly dividends) | 3.95% APY* | 3.95% APY* |
| 6 Month Certificate (quarterly dividends) | 4.30% APY* | 4.30% APY* |
| 9 Month Certificate (quarterly dividends) | 4.52% APY* | 4.52% APY* |
| 12 Month Certificate (monthly dividends) | 4.25% APY* | 4.25% APY* |
| 12 Month Certificate (quarterly dividends) | 4.58% APY* | 4.58% APY* |
| 18 Month Certificate (monthly dividends) | 4.25% APY* | 4.25% APY* |
| 18 Month Certificate (quarterly dividends) | 3.81% APY* | 3.81% APY* |
| 24 Month Certificate (monthly dividends) | 3.50% APY* | 3.50% APY* |
| 24 Month Certificate (quarterly dividends) | 3.55% APY* | 3.66% APY* |
| 30 Month Certificate | 3.30% APY* | 3.40% APY* |
| 36 Month Certificate | 3.30% APY* | 3.40% APY* |
| 48 Month Certificate | 3.30% APY* | 3.40% APY* |
| 2nd Chance 48 Month Certificate (quarterly dividends) | N/A | N/A |
| 5 Year Certificate | 3.30% APY* | 3.40% APY* |
*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 5-3-2024.
**Certificate Specials are limited time only.
Value Plus Certificate Rates
| Certificate Type | Minimum Balance | APY* |
|---|---|---|
| Value Plus Certificate | Value Plus Certificate | 3.81% APY* |
*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 5-3-2024.
IRA Rates
| IRA Type | Regular IRA ($500 – $49,999.99) | Jumbo IRA ($50,000 or more) |
|---|---|---|
| IRA 12 Month Certificate | 4.84% APY* | 4.84% APY* |
| IRA 18 Month Certificate | 4.07% APY* | 4.07% APY* |
| IRA 24 Month Certificate | 3.81% APY* | 3.92% APY* |
| IRA 36 Month Certificate | 3.56% APY* | 3.66% APY* |
| IRA 48 Month Certificate | 3.56% APY* | 3.66% APY* |
| IRA 5 Year Certificate | 3.56% APY* | 3.66% APY* |
| Roth IRA 12 Month Certificate | 4.84% APY* | 4.84% APY* |
| Roth IRA 18 Month Certificate | 4.07% APY* | 4.07% APY* |
| Roth IRA 24 Month Certificate | 3.81% APY* | 3.92% APY* |
| Roth IRA 36 Month Certificate | 3.56% APY* | 3.66% APY* |
| Roth IRA 48 Month Certificate | 3.56% APY* | 3.66% APY* |
| Roth IRA 5 Year Certificate | 3.56% APY* | 3.66% APY* |
| Coverdell Education 12 Month Certificate | 4.84% APY* | 4.84% APY* |
| Coverdell Education 18 Month Certificate | 4.07% APY* | 4.07% APY* |
| Coverdell Education 24 Month Certificate | 3.81% APY* | 3.92% APY* |
| Coverdell Education 36 Month Certificate | 3.56% APY* | 3.66% APY* |
| Coverdell Education 48 Month Certificate | 3.56% APY* | 3.66% APY* |
| Coverdell Education 5 Year Certificate | 3.56% APY* | 3.66% APY* |
*APY=Annual Percentage Yield
**Accounts marked are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
A penalty may be imposed for early withdrawal.
Rates current as of 5-3-2024.
IRA Variable Rates
| Certificate Type | Minimum Balance | APY* |
|---|---|---|
| IRA Variable Acct** | $100 | 0.25% APY* |
| Roth IRA Variable Acct** | $100 | 0.25% APY* |
| Coverdell Education Savings Variable Acct | $100 | 0.25% APY* |
*APY=Annual Percentage Yield
**Accounts marked are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
A penalty may be imposed for early withdrawal.
Rates current as of 5-3-2024.
