Effective July 1st, 2025
Certificate Rates
(APY – Annual Percentage Yield)
Rates are subject to change without notice, a membership savings with a minimum $20 balance is required.
Penalties may be incurred for early withdrawal.
Fees incurred may reduce earnings.
| Amount | Dividend Rate | APY | Compounds | |
|---|---|---|---|---|
| Membership Savings & Other Savings (Includes Christmas Club, First Time Homebuyers, Medical, Optional) |
$0.01 - $1,000 - |
0.01% |
0.01% 0.05% 0.10% 0.15% 0.25% |
Dividends compounded credited monthly |
| Escrow Savings |
0.05% | 0.05% |
Dividends compounded credited monthly |
|
| Standard Money Market Below $2,500 $10 monthly fee |
$0.01 - $2,499.99 $2,500 - $9,999.99 $10,000 - $19,999.99 $20,000 < |
0.40% 0.50% 0.70% 0.90% |
0.40% 0.50% 0.70% 0.90% |
Dividends compounded credited monthly |
| Premier Money Market Below $50,000 $25 monthly fee |
$0.01 - $49,999.99 $50,000 - $74,999.99 $75,000 - $99,999.99 $100,000 < |
1.25% 1.35% 1.40% 1.50% |
1.26% 1.36% 1.41% 1.51% |
Dividends compounded credited monthly |
| Fresh Start Coin Swipe Checking |
0.00% | 0.00% |
Dividends compounded credited monthly |
|
| Summit Checking (Qualifying rate requires monthly: 10 debit transactions anddirect deposit. If qualifications are not met, non-qualifying ratewill be paid. *Example blended rate is calculated on theassumption of $100,000 in account.) |
Qualifying: $0.01 to $20,000.00 Qualifying: $20,000.01 and greater Non‐Qual: $0.01 and greater |
4.89% 0.05% 0.05% |
5.00% 5.00%-1.02%* 0.05% |
Dividends compounded credited monthly |
| HSA & IRA Shares (Includes Educational, Roth, SEP, Traditional) |
$0.01 - $24,999.99 $25,000 - $75,000 < |
0.03% 0.10% 0.15% 0.25% 0.50% |
0.03% 0.10% 0.15% 0.25% 0.50% |
Dividends compounded credited monthly |
REGULAR CERTIFICATES
(APY - Annual Percentage Yield). Rates are subject to change without notice. A membership savings account with a minimum balance of $20 is required. Penalties may be incurred for early withdrawal. Fees incurred may reduce earnings.
| Min Balance | Dividend Rate | APY | Compounds | |
|---|---|---|---|---|
| $1,000 minimum balance (90 Day) |
$1,000 < |
3.90% |
3.97% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (6 Month) |
$1,000 < | 3.85% | 3.92% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (12 Month) |
$1,000 < |
3.50% |
3.56% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (18 Month) |
$1,000 < |
3.40% |
3.45% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (2 Years) |
$1,000 < |
3.30% |
3.30% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (3 Years) |
$1,000 < |
3.30% |
3.30% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (4 Years) |
$1,000 < |
3.30% |
3.30% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $1,000 minimum balance (5 Years) |
$1,000 < |
3.35% |
3.35% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| Children's Certificates (18 Month) |
$250 min. balance |
3.40% |
3.45% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
Special
|
$1 < |
4.50% |
4.59% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
IRA CERTIFICATES
(APY—Annual Percentage Yield). Rates are subject to change without notice. A membership savings account with a minimum balance of $20 is required. Penalties may be incurred for early withdrawal. Fees incurred may reduce earnings.
| Min Balance | Dividend Rate | APY | Compounds | |
|---|---|---|---|---|
| $2,000 minimum balance for IRA Certificates (12 Month) |
$2,000 < |
3.50% |
3.56% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $2,000 minimum balance for IRA Certificates (18 Month) |
$2,000 < |
3.40% |
3.45% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $2,000 minimum balance for IRA Certificates (2 Years) |
$2,000 < |
3.30% |
3.35% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $2,000 minimum balance for IRA Certificates (3 Years) |
$2,000 < |
3.30% |
3.35% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $2,000 minimum balance for IRA Certificates (4 Years) |
$2,000 < |
3.30% |
3.35% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |
| $2,000 minimum balance for IRA Certificates (5 Years) |
$2,000 < |
3.35% |
3.40% |
Dividends compounded and credited monthly. Minimum balance is required to earn dividends. |