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Savings Rates

Savings Federally Insured up $250,000.00 by the NCUA a U.S. Government Agency.

Share Savings, Christmas Club, Vacation Club, Additional Savings
Effective Date: Tuesday, January 21st, 2025
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$1.00 & Up .02% .02%

Youth Accounts
Effective Date: Tuesday, January 21st, 2025
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$5.00 and Up .02% .02%

Premier Money Market
Effective Date: Tuesday, January 21st, 2025
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$0.01 - $2,500.00 .02% .02%
$2,500.00 - $24,999.99 .50% .50%
$25,000.00 - $74,999.99 .75% .75%
$75,000.00 and up 1.00% 1.01%

Optimum Savings
Effective Date: Tuesday, January 21st, 2025
EligibilityDividend RateAnnual Percentage Yield (APY)
$0.01 - and up (if terms are met) 1.25% 1.26%
$0.01 - and up (if terms are not met) .02% .02%
Terms and Conditions

JUMBO Savers Account
Effective Date: Tuesday, January 21st, 2025
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$100,000.00 and up 3.00% 3.04%
Below $100,000.00 0% 0%

Municipal Savings
Effective Date: Tuesday, January 21st, 2025
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$2,500 - $500,000 .25% .25%
Below $2,500 and Above $500,000 .02% .02%
Terms and Conditions

Term Share Certificates
Effective Date: Tuesday, January 21st, 2025
TermDeposit AmountDividend RateAnnual Percentage Yield (APY)
6 Month $100.00 1.98% 2.00%
12 Month $100.00 3.13% 3.18%
18 Month $100.00 2.50% 2.53%
24 Month $100.00 2.65% 2.68%
36 Month $100.00 2.55% 2.58%
48 Month $100.00 2.55% 2.58%
60 Month $100.00 2.74% 2.78%

HSA (Health Savings Account)
Effective Date: Tuesday, January 21st, 2025
HEALTH SAVINGS ACCOUNTS
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$100.00 and Up .02% .02%

IRA (Individual Retirement Accounts) Term Share Certificates
Effective Date: Tuesday, January 21st, 2025
TermMinimum Deposit AmountDividend RateAnnual Percentage Yield (APY)
12 Months $100.00 2.500% 2.53%
24 Months $100.00 2.650% 2.68%
36 Months $100.00 2.550% 2.58%
Rates and Term are subject to change. All Term Share Certificates have an early withdrawal penalty.

IRA (Individual Retirement Account)
Effective Date: Tuesday, January 21st, 2025
IRA SAVINGS (Traditional & Roth)
Deposit AmountDividend RateAnnual Percentage Yield (APY)
$100.00 - $ 2,999.99 .02% .02%
$3,000.00 - $4,999.99 .02% .02%
$5,000.00 - $9,999.99 .02% .02%
$10,000.00 - $19,999.99 .02% .02%
$20,000.00 and up .02% .02%