Deposit Rates
| Account |
Rate |
APY* |
Minimum Balance |
| 6-month Term Share Account (TSA) |
3.000 |
3.030 |
$500.00 |
| 12-month TSA/IRA |
2.860 |
2.900 |
$500.00 |
| 18-month TSA/IRA |
2.860 |
2.900 |
$500.00 |
| 24-month TSA/IRA |
2.960 |
3.000 |
$500.00 |
| Ultra 25 TSA/IRA |
2.810 |
2.850 |
$1,000.00 |
| 30-month TSA/IRA |
3.110 |
3.150 |
$500.00 |
| 36-month TSA/IRA |
3.150 |
3.200 |
$500.00 |
| 48-month TSA/IRA |
3.350 |
3.400 |
$500.00 |
| 60-month TSA/IRA |
3.540 |
3.600 |
$500.00 |
| Accumulative IRA** |
2.530 |
2.550 |
n/a |
| Investment Plus** |
2.280 |
2.300 |
$2,500.00 |
| Share Account |
1.250 |
1.260 |
$5.00 |
| Special Shares |
1.250 |
1.260 |
n/a |
| Christmas Club*** |
1.250 |
1.260 |
n/a |
| Free Interest Checking |
0.150 |
0.150 |
n/a |
| Premium Interest Checking**** |
1.100 |
1.100 |
$100.00 |
| Gold Interest Checking |
0.150 |
0.150 |
n/a |
Rates are subject to change without notice. Rates for share, special share, and share draft accounts represent intended rates for the current quarter as declared by the Board of Directors; actual rates are declared at quarter end.
Early-withdrawal penalties are: 6 month, 30 days; 12 & 18 month, 60 days; 24 month, Ultra 25 & 30 month, 90 days; 36 month, 120 days; 48 month, 150 days; 60 month, 180 days.
* Annual Percentage Yield
** Variable rate
*** The maturity of the Christmas Club is Sept. 30. However, its term varies depending on the date the account is opened. The maximum monthly deposit for a Christmas Club Account is $1,000. Rate subject to change quarterly.
**** The Premium Interest Checking Account is $100 minimum to open. This account has a monthly service fee of $5, which will be waived if the balance is kept at $500 or higher. The account must have an average daily balance of $500 to earn the stated APY in a given month.
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