All rates and terms are effective as of 12/01/2018.
For current Mortgage Rates, go to the Online Mortgage Center.

Savings AccountsDividend RateAPY
Primary Share0.75%0.75%
Christmas Club0.75%0.75%
Vacation Club0.75%0.75%
Special Club0.75%0.75%

Money MarketDividend RateAPY
$2,499.99 or less0.75%0.75%
$2,500 - $9,999.990.80%0.80%
$10,000 - $24,999.990.85%0.85%
$25,000 - $49,999.990.95%0.95%
$50,000 - $74,999.991.05%1.06%
$75,000 or more1.15%1.16%

Certificate TermDividend RateAPY
6 months1.20%1.21%
12 months1.40%1.41%
24 months1.60%1.61%
36 months1.90%1.91%
48 months2.20%2.22%
60 months2.45%2.47%
Kids Club-9 months1.30%1.31%

APY = Annual Percentage Yield and assumes dividends remain in the account.

Savings and Checking Accounts: Dividends are compounded and paid monthly. The Primary Share begins earning dividends once you reach a minimum balance of $25.

Money Market: Dividends are compounded and paid monthly. Minimum balance to open is $2,500. If your balance drops below $2,500, you earn the same rate as the Primary Share. You can with draw 3 times per month, minimum of $500 and there is a $15 fee for each additional withdrawal.

Certificates: Dividends are compounded and paid quarterly. Minimum balance to open is $100 for the Kids Club certificate and $1,000 for all others. There is an early withdrawal penalty. There is a 10 day grace period at the end of the term during which you can withdraw your money without penalty.

Rates subject to change without notice. Fees or other conditions could reduce the earnings on the account