Deposit Rates

Home » Deposit Rates

Interest Rates on Your Share Savings
Note: All rates subject to change without notice. (10-1-14)

  Minimum Balance to receive dividends Rate APY
$200.01 – $2,500 $200.01 0.10% 0.10%
$2,500.01 + $2,500.01 0.15% 0.15%
Share Christmas Club* $50.00 0.15% 0.15%
Share Vacation Club $50.00 0.10% 0.10%
Share Draft $2,000.00 0.005% 0.005%
Share Sweep $8,000.00 0.10% 0.10%
$8,000.01 + 0.15% 0.15%
*Penalty for early withdrawal of Share Christmas Club prior to maturity date. A $15.00 Fee will be charged and account closed.

Share Certificates (CD) 10-1-14

Rate Bump for Jumbo CDs

  Minimum Balance Rate APY 0.05% – $50,000 Rate 0.05% – $50,000 APY 0.10% – $100,000 Rate 0.10% – $100,000 APY
6 Month – Youth $250.00 0.20% 0.20% N/A N/A N/A N/A
3 Month $1,000 0.10% 0.10% 0.15% 0.15% 0.20% 0.20%
6 Months $1,000 0.20% 0.20% 0.25% 0.25% 0.30% 0.30%
12 Months $1,000 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%
24 Months $1,000 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
36 Months $1,000 0.70% 0.70% 0.75% 0.75% 0.80% 0.80%
48 Month $1,000 1.00% 1.00 1.05% 1.06% 1.10% 1.11%
60 Months $1,000 1.50% 1.51% 1.55% 1.56% 1.60% 1.61%
Penalty for Early withdrawal of Share Certificates – Forfeiture of dividends as shown below:Early withdrawal penalty is based on term of certificate.
Terms of less than 12 months 30 days dividend
Terms of 12 or more months 90 days dividend
Money Market Rates
Balance Rate APY
$200 – $2,500 0.10% 0.10%
$2,500.01 – $25,000 0.15% 0.15%
$25,000.01 – $50,000 0.20% 0.20%
$50,000.01 – $100,000 0.25% 0.25%
$100,000.01 + 0.30% 0.30%

Exceptions to Early Withdrawal Penalties:

When an owners dies or is determined legally incompetent by a court or other body of competent jurisdiction.

APY = Annual Percentage Yield
APR = Annual Percentage Rate