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Deposit Rates

Your rate may change after the account is opened and fees may reduce earnings on your account.

Share Accounts
$25 Minimum Balance, $100 to earn Dividends**
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
Share Savings (S1),
Vacation Club (S14),
& Holiday Account (S15)
$100-$1,000		DailyDaily Compounded0.02%0.02%
Share Savings (S1)
Vacation Club (S14),
& Holiday Account (S15)
$1,001-$5,000		DailyDaily Compounded0.02%0.02%
You Name It Club (S14),
& Holiday Account (S15)
Share Savings (S1)
$5,001-$10,000**		DailyDaily Compounded0.02%0.02%
Share Savings (S1)
Vacation Club (S14),
& Holiday Account (S15)
$10,001+**		DailyDaily Compounded0.02%0.02%
Money Market (S5)
$1000 Minimum Balance to earn Dividends.
Fees incurred could reduce the earnings on this account.
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
Money Market
$1,000-$4,999		DailyDaily Compounded0.25%0.250%
Money Market
$5,000-$9,999		DailyDaily Compounded0.40%0.401%
Money Market
$10,000-$24,999		DailyDaily Compounded0.45%0.451%
Money Market
$25,000-$49,999		DailyDaily Compounded0.50%0.501%
Money Market
$50,000-$99,999		DailyDaily Compounded0.55%0.552%
Money Market
$100,000+		DailyDaily Compounded0.60%0.602%
Checking
Dividends are paid monthly based on the Daily Average Balance of $1,000.
Fees incurred could reduce the earnings on this account.
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
Dividend Checking (S2)
$1,000-$4,999		DailyDaily Compounded0.03%0.03%
Dividend Checking (S2)
$5,000-$9,999		DailyDaily Compounded0.03%0.03%
Dividend Checking (S2)
$10,000-$24,999		DailyDaily Compounded0.03%0.03%
Dividend Checking (S2)
$25,000-$49,999		DailyDaily Compounded0.03%0.03%
Dividend Checking (S2)
$50,000-$99,999		DailyDaily Compounded0.03%0.03%
Dividend Checking (S2)
$100,000+		DailyDaily Compounded0.03%0.03%
$2,000 Minimum Balance.
A penalty may be imposed for early withdrawal.
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
3 month (I54M)DailyDaily Compounded
$250.00 Minimum2.552.583%
6 month (I55)DailyDaily Compounded
$250.00 Minimum2.60%2.634%
12 month (I56)DailyDaily Compounded
$250.00 Minimum3.05%3.097%
18 month (I57)DailyDaily Compounded
$250.00 Minimum3.00%3.045%
24 month (I58)DailyDaily Compounded
$250.00 Minimum2.90%2.942%
36 month (I59)DailyDaily Compounded
$250.00 Minimum2.96%3.004%
IRA (S20) & Roth (S21) Shares
$25 Minimum Balance
A penalty may be imposed for early withdrawal.
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
Accumulation IRA Savings
$100-$1,000		DailyDaily Compounded0.02%0.02%
Accumulation IRA Savings
$1,001-$5,000		DailyDaily Compounded0.02%0.02%
Accumulation IRA Savings
$5,001-$10,000		DailyDaily Compounded0.02%0.02%
Accumulation IRA Savings
$10,001+		DailyDaily Compounded0.02%0.02%
IRA & Roth Certificates
$1,000 Minimum Balance
A penalty may be imposed for early withdrawal.
Account DescriptionAccount TermsDividend CalculationDividend RateAPY*
3 month (I64/I74)DailyDaily Compounded
$250.00 Minimum2.55%2.583%
6 month (I65/I75)DailyDaily Compounded
$250.00 Minimum2.60%2.634%
12 month (I66/I76)DailyDaily Compounded
$250.00 Minimum3.05%3.097%
18 month (I67/I77)DailyDaily Compounded
$250.00 Minimum3.00%3.045%
24 month (I68/I78)DailyDaily Compounded
$250.00 Minimum2.90%2.942%
36 month (I69/I79)DailyDaily Compounded
$250.00 Minimum2.96%3.004%
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Each member account is Federally Insured to at least $250,000; Traditional and Roth Individual Retirement Accounts are insured separately to $250,000.

*APY = Annual Percentage Yield

**The APY is accurate as of the last dividend declaration date.