DEPOSIT RATES

Savings Rates - Effective March 1, 2025

Account TypeDividend RateAPY*Minimum Deposit
To Open
Minimum Balance
For Dividends
PRIMARY SHARE
.15%.15%$5$105
SECONDARY (CLUB) SAVINGS.15%.15%$5$105
HOLIDAY SAVINGS CLUB.50%.50%$5$5
MONEY MARKET1.24%1.25%$2,500$2,500
MONEY MARKET1.49%1.50%$2,500$10,000
MONEY MARKET1.74%1.75%$2,500$25,000
MONEY MARKET2.47%2.50%$2,500$50,000
MONEY MARKET2.96%3.00%$2,500$100,000
BALANCE PLUS CHECKING.250%.250%$500$500
EZ CHECKING.00%.00%$50$0
IRA SAVINGS (Traditional, Roth, or Educational)1.24%1.25%$2,500$2,500
IRA SAVINGS (Traditional, Roth, or Educational)1.49%1.50%$2,500$10,000
IRA SAVINGS (Traditional, Roth, or Educational)1.74%1.75%$2,500$25,000
IRA SAVINGS (Traditional, Roth, or Educational)2.47%2.50%$2,500$50,000
IRA SAVINGS (Traditional, Roth, or Educational)2.96%3.00%$2,500$100,000

Certificate Rates - Effective January 1, 2026

Certificate TermDividend RateAPY*Minimum Deposit
6 MONTH CERTIFICATE - One time NO PENALTY withdrawal.3.79%3.85%$500 - One time NO PENALTY withdrawal.
12 month Certificate 3.60%3.68%$500
24 month Certificate 3.45%3.50%$500
36 month Certificate 3.60%3.65%$500
IRA CERTIFICATE (Traditional, Roth, or Educational)
12 month IRA Certificate 3.60%3.65%$500
24 month IRA Certificate 3.45%3.50%$500
36 month IRA Certificate 3.60%3.65%$500
STEP-UP CERTIFICATES
24 month Step-Up CD 3.45%3.50%$1,000
36 month Step-Up CD 3.60%3.65%$1,000
JUMBO CERTIFICATES
6 month Jumbo Certificate3.94%4.00%$25,000
12 month Jumbo Certificate3.75%3.80%$25,000
24 month Jumbo Certificate3.60%3.65%$25,000
36 month Jumbo Certificate3.75%3.80%$25,000

*APY= Annual Percentage Yield