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Deposit Account Rates

Rates effective as of November 1, 2018

Account Type Daily Average Balance
APR APY*
Savings & Club Accounts1 .10% .10%
IRA Savings Accounts1 .30% .30%
Money Market Accounts2 $2,000-$19,999.99 .40% .40%
$20,000-$49,999.99 .45% .45%
$50,000 or more .75% .75%
Account Type Certificate
APR APY*
Certificates, IRA Certificates & Certificate Rates3,4 6 Month Certificate 1.60% Compounded Monthly 1.61%
12 Month Certificate 1.90% Compounded Monthly 1.92%
18 Month Certificate 2.10% Compounded Monthly 2.12%
24 Month Certificate 2.30% Compounded Monthly 2.33%
36 Month Certificate 2.50% Compounded Monthly 2.53%
48 Month Certificate 2.75% Compounded Monthly 2.79%
60 Month Certificate 3.00% Compounded Monthly 3.04%
6 Month IRA Certificate 1.60% Compounded Monthly 1.61%
12 Month IRA Certificate 1.90% Compounded Monthly 1.92%
18 Month IRA Certificate 2.10% Compounded Monthly 2.12%
24 Month IRA Certificate 2.30% Compounded Monthly 2.33%
36 Month IRA Certificate 2.50% Compounded Monthly 2.53%
48 Month IRA Certificate 2.75% Compounded Monthly 2.79%
60 Month IRA Certificate 3.00% Compounded Monthly 3.04%
Member Loyalty Bonus Certificate Rates5
Home Loans +.10%
Consumer Loan or Visa® Credit Card +.15%
  • * Annual Percentage Yield
  • 1 $50.00 Minimum balance is required to earn dividends
  • 2 $2,000.00 Minimum balance is required to earn dividends. Unlimited withdrawals. No fees. No term restrictions
  • 3 $500.00 Minimum balance is required to earn dividends
  • 4 Rates are subject to change without notice. Annual Percentage Yield (APY) assumes that dividends remain on deposit for the length of term. We may impose a penalty if you withdraw funds from your account before the maturity date. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
  • Terms 12 months or less — 90 days’ dividends
  • Terms 13 to 35 months — 180 days’ dividends
  • Terms 36 months or longer — 365 days’ dividends
  • 5 May be combined to a maximum of .25% increase above quoted rates