Beginning May 12th, you will receive a One-Time Passcode to your phone (text or voice options) to login to Online Banking. This is a new security feature that watches for unusual login activity and helps block fraud before it starts!
| Account | Minimum Opening Deposit | Average Daily Balance Required To Earn APY | Annual Percentage Yield* | Dividend Rate |
|---|---|---|---|---|
| Share Accounts | $5.00 | — | 0.35% | 0.35% |
| Youth Share Accounts (members up to age 21**) | $5.00 | up to $1,000.00*** $1001.00 and over |
3.03% 0.35% |
3.00% 0.35% |
| Share Draft Checking | $300.00 and over | 0.30% | 0.30% | |
| Individual Retirement Accounts | $5.00 | — | 0.55% | 0.55% |
*APY is the annual percentage yield. Dividend rates are declared quarterly and paid on the first day of the following calendar quarter. Dividends were compounded daily and were paid at the above rates. Rates may change after the account is opened. APY is accurate as of the above listed date.
**Custodial, and Burial accounts are considered shares so these rates are the same as the Regular Shares.
***For members up to the age of 21, paid on average daily balances up to $1000, for the balance in excess of $1000, regular share rates apply.
| Account | Minimum Opening Deposit | Minimum Balance | Term(months) | Dividend Rate |
|---|---|---|---|---|
| 12-Month Share Certificate | $500 | $500 | 12 | 3.00% |
| 24-Month Share Certificate | $500 | $500 | 24 | Not Offered |
| 36-Month Share Certificate | $500 | $500 | 36 | Not Offered |
| 60-Month Share Certificate | $500 | $500 | 60 | Not Offered |
| IRA 12-Month Share Certificate | $500 | $500 | 12 | 3.00% |
| IRA 24-Month Share Certificate | $500 | $500 | 24 | Not Offered |
| IRA 36-Month Share Certificate | $500 | $500 | 36 | Not Offered |
| IRA 60-Month Share Certificate | $500 | $500 | 60 | Not Offered |
Certificate interest is not compounded. There is an early withdrawal penalty of 90 days’ interest.
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