Rates

Deposit Rates

Share, Club & Money Market Rates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Share Draft (Checking)	N/A	N/A	--	0%	0%*
Advantage Checking	N/A			4.00%	4.07%*
Club	N/A	N/A	--	.50%	.50%*
Shares	N/A	$25.00	--	.50%	.50%*
IRAs	--	N/A	--	1.00%	1.01%*
Money Market Accounts		$2,000 to $25,000	--	.60%	.60%*
		$25,001 to $50,000	--	.75%	.75%*
		$50,001 to $100,000	--	1.00%	1.01*
		$100,001 and over	--	1.50%	1.51%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice.  Return to top

Traditional & Roth IRAs, Coverdell ESA, and Share Certificates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Traditional & Roth IRA, Coverdell ESA, and Share Certificates	6 Mos.	$500	90 days	0.99%	1.00%*
	9 Mos.	$500	90 days	1.09%	1.10%*
	1 year	$500	90 days	1.24%	1.25%*
	18 Mos.	$500	90 days	1.39%	1.40%*
	2 year	$500	90 days	1.59%	1.60%*
	3 year	$500	180 days	2.47%	2.50%*
	4 year	$500	180 days	2.96%	3.00%*
	5 year	$500	180 days	3.45%	3.50%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period.  Return to top

Traditional & Roth IRA, Coverdell ESA & HSA Accounts

Traditional & Roth IRA, Coverdell ESA & HSA Accounts	Term	Min. Balance	Dividend Rate	APY *
Traditional & Roth IRA, Coverdell ESA & HSA Accounts	N/A	N/A	1.00%	1.01%
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Youth Certificates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Youth Certificates	6 Mos.	$250	90 days	0.99%	1.00%*
	9 Mos.	$250	90 days	1.09%	1.10%*
	1 year	$250	90 days	1.24%	1.25%*
	18 Mos.	$250	90 days	1.39%	1.40%*
	2 year	$250	90 days	1.59%	1.60%*
	3 year	$250	180 days	2.47%	2.50%*
	4 year	$250	180 days	2.96%	3.00%*
	5 year	$250	180 days	3.45%	3.50%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period. Dividend Payment Policy Dividends on your account are computed on an average daily balance and credited monthly. All dividends are paid on the last day of each month.  Return to top